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Need help catching up on this power bill. Thank you.

Ok here it goes.  I am in such a financial mess right now.  I am 41 years old today.  Not married, but have been living with my fiance for 13 years.  We have 4 children together. They are 5-6-7 and 8.  She also has a daughter from a previous relationship. She is 15.  I have a full time job, but have gotten so far behind on our bills it's scary.  One salery doesn't really cover a family of 7. I am behind on my mobile home lot rent, I am behind on my mobile home payment. I have 4 kids who will be having their tonsils out on Sept 29th.  Bills usually end up getting paid to the ones who yell the loudest.  It's a pretty awful way to live.  The worst part is that I'm just waiting on the eviction notices.  I need about $3200 just to cover my back payments.  Then I need to worry about October.  I'm at my wits end.  I feel so bad for my children.  I have no place to go if we do get evicted.  They do so well in school, I'm so proud of them.  They deserve so much more than i've been able to offer, and it breaks my heart.  We do not have a car I have a fine to pay for insurance lapts before I can get my licence again.  It's not that we are bad with money, there just isn't enough coming in.  I'm close to my last resort, leaving my job to get my 401k fund.  Which would only be enough to cover my back bills.  At that point I'm still in trouble because I have nothing new coming in.  I'm stuck.  My heart is broken, I don't know how to help my family.

This is all new to me.  I figured it was worth a try.  I don't have anyone else that I can pour my heart out too. 

Hi, I'm john i've struggling for the past two years,going through a bad divorce where the x is taking everything,and wants to see me doing very bad.  I was working as a truck driver,but lost my job due to the economy,and a accident that took me off the road.  Now i have bills stacked up and creditors calling everyday non stop.  I've been trying to get on my feet,but it seems 1 step forward,and two steps back.  I'm at the end of my rope,and don't know what else to do.

Hello,

We need help desparately. I am a truckdriver running 48 states, my wife is also working full time. We had some medical bills in the recent past that financially wiped us out. Now we cannot seem to get our heads above water. We make enough money to support our family but need $3000 to balance our finances. If someone could help we would sure be very greatful. Currently, we do not have enough money to pay our rent or utilities. I am staying out on the road for Christmas. If someone could help us get caught up, we can and will stay afloat. We have tried applying for credit, but were turned down. We do not have nor use credit cards, that is not the problem. We are just 1 1/2 months behind on our basic necessities.

Thank You and God Bless

i went down to my local dhhr yesterday and the couldn't help me out with my gas bill because it was already turned off and was to high because they only pay a percentage of it. they sent me to another organazation and i got turned down for the same reason but was unable to help out. they sent me to a local church to get help but they were only going to donate 50 dollars but only if i came up with the rest.   i can't go without gas because i have a child to keep warm. my electric heaters aren't doing the job. please help someone.  i also need christmas help for my daughter. please

It's so hard to ask but I am desparate for some help. My son has 1 pair of pants, no way to get him anything for Christmas. because of extended hospital stay, 3 deaths, lose of my job in June. Home is going into forclosure, car going to repoed, what else? If any kind person can find it in ther heart to help in any way I would be forever greatful.

I am in a desparate spot and see no way out.  I need money to pay my rent and some bills and can't wait... I have money coming in from a retirement plan but it takes 30 - 90 days to be approved for payment before I can get anthing out!!!  In the meantime, I am about to loose my home... which is worth double what I owe... and get kicked out of my apartment that I have in a different town because of medical problems.  No one can help... I have never asked for help before and don't know where to turn, but the numbers of agencies that I have been referred to say they can't help.  This is a situation I    cant seem to recover from... it came up suddenly and I have no resources or places to turn.  I even tried to sell my few things and was offered nothing for them... seems that when you are in a bind everyone wants to eat you alive... I am about ready to let them... they can have everything I have when I am dead.

I am 30 yrs old with a 9 yr old ADHD son. I started college full time in January of this year.After 6 yrs of marriage my husband and I separated in April of this year. He is now living with another woman and refusing to give me any financial help. My car broke down on my birthday due to my husband refusing to fix it. I live in the Ocala National Forest and it is a 2 and 1/2 mile walk to the nearest store. Not having a car, I am unable to find employment, pick my son up from school in an emergancy, or go grocery shopping. It's getting harder to find rides to do all of these things because I don't have the gas money that people want to take me where I need to go. I am falling behind on my rent, electric and telephone bills. My only income at this point is $212.32 from child support. My main concern at this point is my rent. I need $600 to catch up. I am desparate. I've been homeless before, but my son does not deserve to have to go through that. I don't know what else to do. Please... help me.

I wish to see a light at the end of the tunnel, even if it is just one lone firefly.

My name is Deborah. It has been a very lonely road for Kyle and Clay and myself, for the past five years. I suffered a severe mental breakdown in 2002-03. Post Traumatic Stress, and other hidden disorders. I was hospitalized, at the time of the event my boys just 12 and 13. I am the beautiful mom that made magic real, the tooth fairy, the valentine fairy, birthdays and all the Holidays. I never did drugs, smoked nor am I an alchoholic. I am a very good person, I have raised these two young men, now 17 and 19,who have prooven to be my real heros. Let me just say we have lived through the impossible the unheard of, the saddness the abondonment, and have rich memories and very deep convictions, related to positive mental health care.

I have been hospitalized on many occasions, during the past few years. Living through still a second trauma, with the most scariest ordeals that are at times inhumain, I have struggled alone.

I am always of sound mind, clear thinking and appear to be calm, happy spirited, kind hearted and extremely compassionate.

I work very hard each day to maintain composure. My children are my heartlights and they are the continueous feed that moves me to awareness in my most desparate moments.

Geez...This was not where I ever, ever, even could comphrend I would be 8 years ago.

I am productive, a workaholic, a mover and a shaker, never idol. Did everything with my kids. On my way to just being content. A nice career as a food service supervisor for a major grocerey store, a nice place to live, a nice car, my kids and I were, great.

Today, my children can't remember when I had my own house, a car, a stable life,safe and warm with my great stuff still in storage a thousand miles away, just to be all together again....living with the boys and my things that remind me of who I am, and what I am about, feels unattainable.

Now as the tears stream steady down my face... in the quiet of the room I am renting, I miss  the Kyle, the Clay... I love them and miss the huge hugs that we share, the laughter, the honesty of our words. The truth of us is only in our hearts and not known to many.

They are in an envirement that I never wanted to see them in, even though it is with thier father, ( he had never participated in their life until 2007) I worry I am scared and God you know how my heart aches for them.

I dont know what I need. That little happy firefly could get me to smile.

I am grateful for all that is here and now, for all the great people who have helped me through the healing process, and continue to.

Bless the child who is of his own. Bless the mothers who compose and smile, Bless the strength of individuals who just walk forward. Bless the hearts for those who are grateful.

I wish for the sick and wounded spirits, that can find with in themselves that joyful spirit....it may be lost, or quiet, to find that one thing that tickles them everyday.

with grace and perfect ways

your daughter, your sister, your friend.

My wife and I are in trouble. We are about to lose our electric and water and phone due to some problems we had. I have a Court fine and am in debt. A loan of about $2000 would take care of all of it. I have been looking for a job but so far have been unsuccessful. I would be willing to provide my address and phone number for you to be able to find me and would pay it back as soon as I get some income. I am not looking for a handout, just a hand up. I live in Oneonta. With this loan, I can make my house payments which are also just about to fall in arrears

I am an 81-year old grandmother and find myself in deep indebtedness, with no light at the end of the tunnel.  As fast as I pay a bill, the interest and finance charges mount up, and each month I still owe money.  Attempts to pay more than the minimum payment find that the money doesn't stretch that far.

My part time jobs have dwindled.  A nanny job I had just vanished when the family decided to cut back on their budget in order to remodel their home, and consequently cut out their entertainment expenses and sitter they'd budgeted for their Saturday nights, so they let me go.  My care-giver job I had doing laundry, grocery shopping and driving my neighbor to the doctor vanished when one of the sons decided he wanted to receive the money from the State instead of me.  My house-sitting job disappeared when the husband's cancer recurred and they will no longer be able to travel. All this happened just last week!

I am desparately seeking ways to get income to cover the outgo.  My Social Security barely covers my rent, and I go once a month to a food bank to supplement my groceries.  Meanwhile the phone rings constantly from collectors and thank goodness for caller I.D. for I don't have to answer any more.

Fortunately my health insurance from the job I retired from covers my medical expenses, which ran up to $24,000 two years ago for a brief hospital stay after an accident, and the ensuing weekly therapy has almost exceeded that.  A recent colonoscopy cost $1,400 so I'm grateful my insurance covers it.

Otherwise, I am in good health and active and energetic.  Just trying to keep my head above water.

I have tried to sell some works of art, but no one wants to buy it.  Can't even get a customer for my bicycle!

A dealer is selling many of my books, and the few extra dollars here and there come in handy.

PLEASE HELP!

I desparately need help paying off some debt and just surviving for the next few months until I have some form of regular income again.  Eight years ago, before I was "downsized" from a relatively good-paying job, we considered ourselves middle class.  Since then, we went form middle-class to working poor, and now we are just plain poor.

 I hate living day by day, never knowing if I'll be able to come up with the money for tomorrow's bills.  I figure I'm not young enough for prostitution, not brave enough to rob a bank, and so too cowardly to try suicide!  But there has to be some way out of this mess.

 I am a "retired" medical social worker.  I worked all my life helping other people, all the while paying my taxes and keeping up with the bills.  Although my husband has three higher degrees, and a brilliant mind, he became disabled while finishing his PhD and has never been able to work, nor is he eligible for Social Security.

 I lost my last job two years ago, and have been unable to find anything since.   I need something with very flexible hours because of my own fatigue and because my husband needs assistance at certain times of the day. We've been living on savings while I have tried to start up a small business.  Nothing is working out.  I can no longer work a regular job because of exhaustion, so I really need to do my own thing from home.  I'm working on a couple of projects that should bring us some income in the next few months, but right now we are totally broke

I have cashed in and sold off everything that I can.  I applied for and we are receiving HEAP and Food Stamps, and that helps.  Our house is paid off, but the taxes will soon be overdue.  And right now, I have about $30. in the checking acct., $10. in savings, $7.00 in my wallet and that's it!!  I don't know how to pay the regular monthly bills.  And of course we have debts to pay off--the dentist, the bank over-draft, even the car mechanic!!

I need a loan to get us through the next 6 months, then I think we'll be back on our feet.  My mother gave me money a few months ago, but she is not able to do that regularly.  My in-laws basically refuse to help, and there are no other relatives to turn to.  I tried to get a loan from the bank, and from a loan agency -- they both turned me down because I cannot prove I have monthly income.

I am feeling really desparate.  We are not quite old enough to do a reverse mortgage or to start collecting on Social Security.  Selling our house and moving is not really an option due to my husband's disability.  Even if it were, we need money NOW, not 6 months from now.

Does anyone have an answer to these questions?:

      1--I read about grants available to help with personal expenses, even pay off debt.  I have not been able to locate any--do they really exist?

      2--I get e-mails all the time about processing rebates, and I am sure that some of them, like many internet "great offers" are basically bogus, or at least highly exaggerated.  Has anyone had experience with rebates?  Can you really make money?  Which sites are reputable?

      3--I sell handmade greeting cards.  My website needs work -- the pictures should be clearer, plus it is missing a few newer designs.  But if you need cards for any occasion, please send the business my way.  [thank you!!] OOOOOPS!!!---HERE'S THE WEB ADDRESS: www.cardsandgiftsbyplsoriginals.com

******I would be willing to repay a loan at a reasonable rate of interest.  HELP, please , before we drown!!!!    

I have had one and a half years of living hell.  Lived with a mentally ill person who was an alcholic who after 8 years called the police for no reason to have me removed from house. Gave up my huge house of 17 years and relocated myself and children into theirs. She has continued to harrass me with police. Due to emotional trauma I am having a hard time coping. Now my mortgage is past due, bills are pilling up, keeping a good job is so hard for me because i am a professional (well used to be before this) and cant seem to get a grip on my emotions.  Now she is suing me with more made up lies and it just doesnt seem to end.  I need desparate help and am at my wits end at this point. I have 100 to my name and owe 7K and have no where to ask for help.  I am hoping there are some nice, generous people out there to help myself and children who are in need. I do not see a light at the end of the tunnel.

Hello everyone. I am in dire need of help for my kids Christmas this year. My husband has been off of work for medical reason's for the past 6 months and we are unsure of when he will be returning to work. I have 5 boys, ages 13,11,10,6, and 2. Two are from my previous marriage and their father is out of their lives, and 2 are from my husbands previous marriage and the mother is no where around to help then we had the baby together. My kids just go without about all year because we don't have much to give them, but they are so loved and such wonderful kids. My 13 year old offered to go get a job to help give his little brothers a good Christmas...that is when I knew we were in bad shape. Any help would be so appriciated. It is bad enough that we are getting ready to loose our home and vehichles, I just want our children to be happy. They have been through so much in such a short time. laureene71@hotmail.com

I do not know what to do .. I am in the biggest need in my life. I am a single mother of 4 little girls, and we are about to lose our house. I am $2900 in debt and I am asking for any help that I can get ... I don't know what to do right now, and I cry myself to sleep every night. Please help me.. I Pray for a miracle every day. I am seeking 10 pledgemates .. and $2900.00

I am desparately seeking financial help. I'm entering my last year of college and am up to my ears in debt. My father promised he would pay the minimums on my cards and hasn't been for the last two years!!! Now I have two charged off accounts in my name, although he signed up for the cards in my name, as well as student loans and no one to help me. I really want to get out of debt but I can't get a loan to consolidate my debts. I am only in dire need of $3,000, I know this doesn't seem like a severe problem, but when you're in college and on your own, it becomes a problem in all areas of your life. I am now unable to buy myself food and can barely pay my rent. It seems like I'm in a bottomless pit and no one can help me and I am feeling more and more desparate every day. Anything you can give is greatly appreciated. Thank you so much for taking the time to read my post.