With all the people needing help on here makes this even harder for me. I am a father of three that was severely injured in 2006 and now rely on disability to cover rent, and bills. I'm falling apart. All the surgery's have been unsuccessful and has dismantled my way of life,and career. I have the most beautiful kids 8, and 12 girls and 13 son. There Christmas this year is doubtful. I am just thankful we have a roof over our head this year. I wish you all health and happiness and hope this struggle ends for you all.
Well I hate the way everything happens all at once. This is my story first I have been fighting for my kids for over a year and a half trying to get them back from CPS mid way my wife found out she had a warrent and was arrested and locked up for 6 months. now she is being attacked for being in jail. Well the reason the kids was taken into cps was, when I was at work my wife had a nervise breakdown and flipped out and the cops put her in the hospital and put kids in cps. I came home from work to this and have been fighting ever sence. well the cps told me i could not do the job i was doing for they dont want my kids around my wife alone to long for what if this happens again. So my job that I was getting payed between $500 to $3500 a 4 day week is gone and now have to live off ssi checks that run about $940 for me and my wife and $100 in food stamps total and about $411 from extra money i get from college every quarter. well we are trying to recover from a move we had to do and also to get everything back on track. well we have to pay still for clothing food and diapers and pull-ups for 3 little girls ages 1,2,3. as they come to our home for visits along with all the workers and everyone else that is involved. so we have to keep our place and everything else in it going. so i ask for help in getting my rent and utilitys payed for a month so we can catch back up in this rat race to get our girls. the stress is so bad for me and for my wife she was told reason she broke down was because she was bi polar and manic depresssive. so anything you can give can help out our rent is $750 or gas is $65 and our electric is $368 after the move everything was blasted up or transfered and so we really need to get these bills payed off fast. as you see i did not say anything about the phone bill because we can live without the phone for now tell we can find a way to get the $268 to pay for it. the ones we really looking for help with are the rent and electric they are due now the gas due on the 6th of month and phone is due now but as said we can do without it tell we can get money to turn back on so please help if you can for i can say this it takes a real man to now when they can't do it alone and as for help before everything is taken away from you. I dont want to lose everything and i love my family so i ask everyone humbly for your help if you need anything just ask i will even send info if you want to pay bills directly so you know money going to right place. I'm not trying anything at all.
I am a twenty year old single parent. im out on my own for the first time and i live in a two bedroom based on income apartment. i have a 3 year old son and a 5 month old who is sick all the time. My 5 month old whose name is Kamari has acid reflux, he tied tongued, he has ingrown toenails, and the doctors believe there is something wrong with the lining in his stomach and he might have to undergo surgery. So because of everything that he is going through i am unable to work because i have to take him back and forth to the doctor. My light bill is $590.00 and i only have an income of $142.00. I am in huge need of lightbill assisitance. If my lights get cut off i lose my apartment and me and my kids wont have anywhere to go. PLEASE HELP ME!!!!!!!!!!!
I AM TRYING TO GET MY S.S.I MONEY AND HAVE NOT YET. I FIANCEE WAS ON UNEMPLYOMENT BUT AZ CUT HIM OFF AND HE STILL HAS A BALANCE. NOW WE CAN'T PAY OUR RENT ON 08/01/2011. WE CAN'T PAY OUR UTILITIES THEY WILL BE SHUT OFF ON 08/05/2011. WE CAN'T PAY OUR PHONE AND WHAT GOES WITH IT THAT WILL BE SHUT OFF ON 08/02/2011.CAN'T PAY OUR CAR INSURANCE ON 08/10/2001.AND WITH HOW BAD OUR LUCK IS THE PULLEY ON OUR CAR BROKE AND RIPPED THE BELT INTO HALF.WE DON'T KNOW WHAT TO DO WE HAVE CALLED ALL THE PLACES THAT I COULD FIND. WE HAVE LOOKED UP EVERYWHERE ON THE COMPUTER.I'M LOST I DON'T KNOW WHAT TO DO CAN SOMEONE SOMEWHERE PLEASE HELP US PLEASE!!!!!!!
in response to beerosa...Im sorry to hear that you are having difficulties, I know that you can go to your local Church Pantry, and they will help you with food,some of this pantrys will feed you twice a week, other only once a week just get a list of all the church"s in your area and try to visit each one on the day that they provide the help. also you can try, for help with your bills and go to your local CEDA office they have energy assistance LiHeap online application:
utility-assistance.com
in response to conception...Im sorry to hear that you are having difficulties, and its going to get worse before we see some relief, how ever,if you go to the court depending to which
city and state you live. In illinois when you go to the eviction court and you explain to the judge, they can represent you free of charge, and defend you as an indigent person,( poor person and if you live below the poverty level, you qualify also they will give you information that you can use, to find you and help you with rent. try LegalHelpRightNow.org
S guerrero
I'm a single mother of two kids and experienceing fanancial difficulty. I lost my income and the landlord had to take me to court for not paying rent i am staying with some friend and it not to confortable.i am asking any one that could help me please my kids need a roof oer there head not sleeping at noones house. if you could email me at latinspice25@yahoo.com thank you for your time.
Things have been so hard here lately. I had two jobs, which I need and got laid off my main employment. I can't afford my electric bill and its going to get shut off on the 16th. I really need to find help to pay this asap. I would pay it back in one month if anyone can please help me. I am unable to get a loan because i have really bad credit but i am trying to get it all cleared up. I had to live off my credit cards when I was unemployed and messed up my credit. I am trustworthy and would pay this back promptly if someone could please help me. Its getting cold, and I have a family of 5 I really cant let me electric get shut off :( The local church does not have any assistance, and i am a new customer so i cant get a extention :( My husband is really sick and cant work, we are waiting to see if he qualifies for ssi and i am trying to support us all off min. wage. I know I will find a better job, but will work it until I find something. It is due no later than nov 16th and it is for 124.32
Hello, PLEASE read my story! I am new here, and like everyone else I am in need of help! If you go to my profile you can read the whole story! but to make it short, I need help paying a couple utility bill's. I have got them caught up as much as I can this month thank god! so for both the bill's together I only need about 80$...but anything will help? even 20$...I am on SSI disablility & only get 695.00$ A month! Normally I can pay my basic bill's with this, but last month my car broke down & I had to pay 730$ to get it fixed! So you see that was my whole check and now it set me back on my bill's! I may beable to pay my basic bill's but that's it? would if I have a Emergency like last month with my car? or I need to save money 4 another car? I need clothes, Gas money, personal items? I don't have the extra money 4 any of these thing's. I don't know what to do but to ask if there is some kind person out there that could help me with any of this? like I said even 20$/30$ would help? PLEASE....if you came accrost this post? maybee it was 4 a reason? If you can help? please send me a message!!......Thank you ..Shae
Well, as I rummaging through old paper work and I’m trying to clean up my desk. I found old letters and I forgot to tell everyone that you should save the envelope too….
What do I mean by that? When you get a letter from a creditor, a bill collector or a bill, you should attach or staple the envelope that you get your letter in. Give me a minute and I will give more detail.
Why do that? There is so much information on the outside of the envelope that can save you time effort and energy in the long run. It will give you the time and date of when the letter was sent out. Or it can give you who sent the letter to you. It can also give you a delivery date or a time when you should have it. Lots of information can be given to you about and what it suppose to do. This can be crucial information that can help you in the long run. If it does not have a date or time, then you can argue that you don’t have a defiant when the letter was sent to you… Which in the future it’s your saver.
One other thing you need to do is write the date that you received that letter on the envelope. By doing this you have more evidence, incase needed.
Let me explain and give you examples, let’s say that a creditor tell you that they sent you a letter in their time limit. By law(s), the creditor has a time limit to send you information. If the letter got to you 1 day before their dead line, then the creditor is in the wrong. They should have sent you that letter 1 to 2 weeks before there time limit. By holding on to the envelope you have evidence of the mistake they did.
Another example, you need to know when you got the letter. The date stamp on the outside of the letter is on the envelope. So you have that information.
Creditors, Credit collection agents, use this method all the time. That is why they can get you on when you sent in a payment or how it was delivered. If they use it, why can’t you use it to?
About 2 years ago, I argued with a creditor on a payment that I sent in. They sent me a statement on the payment and I saved the enveloped, wrote the date received and attached it to my statement. The creditor did not have a record of the payment being delivered on time. Without the envelope and the date and time stamp on it, I would not have won. That envelope saved me time, effort and energy and the creditor was at the wrong.
See, just doing simple things, can save you in more than many ways. Don’t give up on yourself. When dealing with a creditor, think like you are a business and handle it in a business manner and you will come up on top.
Good luck and keep pushing forward. You can do it.
Most of you that have a mortgage are not aware of how much dropping your interest rate can truelly save you. I would like to share some information with you guys that shows you just how much lowering your interest rate can truely save you. To do this I am going to use a base loan amount of 150,000.00 and a starting interest rate of 6.5% and a term of 30 years. For this senerio your mortgage payment (just your principal and interest, do not compare with taxes and insurance because those are the same where ever you go) would be 948.10. I am going to show you how much your payment would drop by lowering your interest rate in intervals of a quarter percent. Most people beleive that you should only refinance if you can lower your interest a full percent but this is not usually the case.
Starting Payment 948.10
6.25% - 923.58
6.00% - 899.32
5.75% - 875.36
5.50% - 851.68
5.25% - 828.30
5.00% - 805.23
LOOK AT THE DIFFERENCE! The difference is huge! If you think about savings in a hole you are saving almost 20 each time you lower your rate by a quarter of a percent, now this might now seem like a lot but....what if you multiple 20 by 360 (the number of months a normal 30 year mortgage is) that's 7,200! just for a 20 difference.
So here is the best part about refinancing. Let's say that you started with 150,000 for your loan amount but sense you started your loan you have paid it down 10,000.00 so you owe 140,000.00 with an original interest rate of 6.5%. Now let's see how much of a payment difference each of the above interest rates makes.
6.25% - 862.00
6.00% - 839.37
5.75% - 817.00
5.50% - 751.55
5.25% - 773.08
5.00% - 751.55
So let's see if I can help this make sense. In the first examples of payments I showed you how much lowering your interest rate by .25% could change your mortgage payments. In the second examples I showed you how much lowering your loan amount by 10K and your interest rate by .25% each time could do. To sum this up, you can safely estimate that for every 10K you lower your loan amount by you are saving $61.58. With this you can make a guess as to how much you will save just by how much you've paid off your loan sense you started it. 10K - 61.58, 20K 123.16, 30K 184.74, and so on.
So really quick, and then I'll be done, let's say that you started with 150,000 and you've paid off your loan to 140,000 and you decide to refinance and at the time you can get it to 5.5%. You're original payment was 948.10. Your new payment will be, roughly, 751.55 for a total savings of 196.55! But, it's going to cost around 3,000 to do the refinance (mind you that you can add this into your total loan amount, thus not having anything out of pocket). Does this refinance still make sense? The answer, YES! If you figure you are saving 196.55 each payment and it's costing you 3,000 to do that; if you divide 3000 by 196.55 it equals 15.26 this means that in just under 16 months you will actually save up the 3,000 that it cost, from month 16 on up for the next 344 months you will be saving 196.55 each month for a grand total savings of........67,613.20!!!!!
This is why I love my job! To be able to save someone that much money is amazing!
im a single mother of 5 children living pay check to pay check .i dont recieve any child support from my ex husband and i really need help with rent and bills
hello i am in need of some financial help after the death of my spouse of 25 years after his termination and suicide i am having to start over and finding it hard on my own after all these years. i am looking for work running back and forth to my parents due to my fathers illness and i need help asap please any information would be helpful oh and i tried the texas resources i was denied due to a lump sum ins policy paid on my spouse that was to last 3 years do these people no know the cost of living?
I Currently live in flagler county florida and i am out of work due to neck injury at work.I am a single dad with my 15 year old daughter living with me and i do not have enough money from disability to help .I am running out of hope . I have sold damm near everything in my garage on ebay and trying to play my bills and jugging day to day of who is going to get a little money fpl,water,rent,food ,etc. THE DAMM REPO COMPANY TOOK MY TRUCK.they didnt want to hear any thing ,fpl shut my power off even after i payed amount and they didnot turn on until next day at 10:00 am .I am trying to get food stamps help or just help with paying bills but getting no where.IT is really bad when you go to food store and you to put back items because you do not have enough money . Is there any one outhere you can help ?Or can give me any ideas? please respond and godbless and if i can give any thing in return i will .
I need help so we will not be Homeless,I have Lupus. I am out of Work. we need Rent,Lights,Water,Furniture,Food. any kind of help. we will be very Grateful. I am in Fort Mill, South Carolina, I have tried everywhere to get help. no family to help us. you can email me if you would like my Address to help us.
My family needs some assistance. We have been given many medically heavy things in the past 10 yrs and need some help to get out from under it.
Briefly: My husband and I have had 3 children. (been pregnant 4 times but lost one due to a late miscarriage). My husband is a cancer survivor. My 5 1/2 yr old son is a cancer survivor! Various broken bones, trips to the ER for asthma, and surgeries.
Also have 1 Sear card that we would like to get rid of.
I am a stay at home mom and my husband works his tail off for our local cable company.
Upon request I can furnish a breakdown of what I want to pay off.
Dear Roses:
Not all banks are heartless. If your overdraft is unusual, sometimes making an appeal to a bank manager will result in their reducing or rescinding overdraft fees.
Good luck
I AM A SINGLE MOTHER OF THREE AND EXPERIENCING SOME FINANCIAL DIFFICULTY. I AM EMPLOYED BUT MY ACCOUNT WENT INTO OVERDRAFT AND THE BANK TOOK FEES LEAVING ME WITH NO MONEY TO SURVIVE. I HAVE RENT DUE FOR JUNE. PLEASE HELP!! WE ARE IN NEED OF FOOD AND GAS TO GET BACK AND FORTH TO WORK. I AM VERY HIGH STRESSED AND DON'T KNOW WHAT TO DO. IF ANYONE CAN HELP PLEASE E-MAIL ME AT RHONDABUNDRUM@YAHOO.COM.
things have been ok for the most part but this time of year the bills seam to pile up, and the stress of bills or christmas becomes more than enough do i pay the bills or go without christmas for the children or vise or versa...so i ask if there is any way anyone or someone to help with christmas for my children....
hello I thought I finally found a place that we could get some christmas help and then I seen it may be only for lancaster posted. And I have never asked for help for my family as I do not know what else to do and there are 8 of it consists of my 80 yr old elderly mom my 2 daughters ages 23 and 26 my 23 year old daughter is the mother of 1 beautiful 3 yr old. My daughter and I are both disabled. my daughter has not been able to walk in 8 weeks yesterday or move her leg due to venous malformations and when she cannot walk she lives in excruciating pain when her leg "acts up" no dr can help her only with the pain we get turned away all the time.We went to the cleaveland clinic in june on bald tires just praying someone could help her and that was a wasted trip once again. My other daughter is the mother of 3 beautiful boys ages 8 and 5 and 2. my daughter (mom of the boys) lost her job 2 weeks ago and she has been out there as much as possible with the gas situation trying to get a job. Christmas looks pretty bad for my grand children. we are a month late on the rent and and electric dissconnect and phone disconnect. Car insurance is due to be terminated on 12/26/2006 perfect timinh huh? Every bit of my story I am telling you is the absolute truth and can be checked out. we live aprox 40 miles from buffalo in Delevan ny If you know of any help to make this a actual christmas please contact me. I am so sick of dead ends of everywhere I call being told no help. we live on a fixed income of SSI which does not go far and now with my daughter looking for a job. my mom is in the rehab part of the nurseing home in springville trying to get stronger after being abused in the waters of salamanca ny someone kicked her repeatadly in her right leg from her knee all the way to her foot and it was not black and blue she was total black bruises. that is sad someone a health care proffesional an do that to a defenseless elderly woman and now because of the contusions she has 3 blood clots and suffered a heart attack. I do not see how our situation can get any worse if there is a way it will. that is just how it is. we don't even have dinner for Xmas. Thank you for taking the time to read this.my name is Mary computermom3@adelphia.net
I have been a stay at home mom for two years. My husband was the bread winner, and we were doing good. That all changed when the company he worked for closed its doors. Now drawing only $185 a week from unemployment, we can't even buy food much less diapers for our daugter. We are a young family tring to build a life for our selfs not just people wanting a free ride. Honestly what are we supose to do. Our utilitys,car payment, insurance(car that is, we no longer have medical coverage)and basic needs are totaling over $1200.00 a month. We have barely no savings to fall back on just having to except help from our parents this past month was all i can take. We are 26 yrs old with one child, why did this happen to us????
Here since: Jan 26, 2010
jobless
Fairfax, VA, US
Languages: english arabic
I am a hard worker , I use to have two jobs at the time , one of them full time with a great pay check , but I get hooked with gambling , I know I am going down hell , but I can't stop , I was driven... see full post
Here since: Nov 3, 2009
Female, 30
offive
Henderson, KY, US
Languages: english
i am a single mom of 2. i needing a little bit of help to get bills caught up and be able to start fresh to giving my family the home they need. i am just asking this time for help, i have tried but i... see full post
Here since: Feb 25, 2007
Female, 45
Office Assistant
Rome, NY, US
Well, Sitnpretty66 is not sitting pretty anymore.
I am a recent single parent of four children ages 3, 10, 13, 15. My husband an I separated about a 6 months ago. I work part time and I sell on E... see full post
I am a single mother of three children that are five and under. I am physically disabled and two of my children have serious health concerns too and are seen at Riley Childrens Hospital. My parents w... see full post
I am pleading with anyone who is willing to help me without scamming me. I was left by my ex husband who took all money from me before he left. He left me with a home that is about to be forclosed on...
Note: This aidpage was started as a comment on "Home page of sitnpretty66"Thank you for all the interest in my aid page. I have been receiving lots of advice. Each week I will put money toward all my ... see full post
Hi my name is Danielle i have a 3 year old son I am currentally trying to get out of a relationship that i have been in for 5 years. It is no longer working for us and my son sees us fighting all the ... see full post
