Any help would be a blessing
In Reply To...
Confirm post delete
Report a post
Any help would be a blessing
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
well im on section 8 and i only receive a $66.00 utility check every month and i've been putting applications in every where and i just cant seem to get a job . and i receive other things like food stamps and health care for me and my 10 yr old daughter,and i am pipp but i just cant seem to keep my bills up and i am in need of help can any body help me please. I will greatly appreciate it.
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.
My name is LaShawn, I am writing today because I am in need of assistance to help me paying my utility bill and also anyone who can help me to obtain a vehicle so that I may get back on my feet in finding another job. I was laid off last December and have been diligently seeking employment ever since then. I live in memphis, but I have no family here or anyone to help me. I am on my own and feel so by myself which makes it much harder for me. I have gone through the community services agency before so Im ineligible to receive assistance a second time. My utility bill is 2 months behind and Im facing disconnection, the amount is $312.00. and also, if anyone has an old working vehicle to donate or know of any agencies or places I can get a car, that would be very helpful also. Thank you all in advance. God Bless You.
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!
My husband has a job putting in hard wood floors, but because of the way the economy is, no one can afford for this to be done. So, he is not working. I have applied for several jobs, with no luck. Our gas that we use to heat and cook, has been turned off. Our water has been turned off, and if we do not pay our electric bill by december 1st, it will be cut off. I am just asking if anyone knows of anywhere that could help us get through this hard time. As if is right now, we cannot eat this coming week, and food stamps are out of the questions because we have no little children.We have never asked for help before. We always have paid everything by ourselves, and we do not like asking for help, but we have no choice at this point and time.
please if anyone can direct us to some helpful information, please let us know
thank you very much
I have struggled as a single mother for many years and now lost my home in foreclosure, due to a severe accident 2 years ago that prevented me from working. I am rehabilitated now, but times have changed. I have rented a house and I am actively every seeking employment daily I need financial help for one month (Buy me time to get a job, within in a month) I have to succeed or return to Denmark and live family, my teenager is totally opposed to that option, he have been a A-B student so far and have a great future here in GA.
I feel like blowing my head off, due to my failure to provide housing and a chance for him to make it in life.
What do I do ? Desperation and depression is a everyday state in my mind ?
I have a degree and experience in the software field, I want to work NOW I like to work! I need help with 1) Rent 2) Gas bill 3) Power bill 4) Food for one month, I will and have to make it please someone help me and my son !
Hi i am a mother or two boys one 10 and the other just born a few months ago my unemployment ran out and i have been looking for a job for a wile now and havent had any luck my rent is due in 4 days and i only have 4 bucks to my name. i have been calling churches and talking to sevral help facilities in my area and no one will help me. my light bill has a 15 day notice on it and i am really afraid for my kids and myself. i am a great worker with alot of qualifications. please someone help my rent is 1190 and my gas bill is 200. is there anyone who cares out there anymore?
My husband is between jobs right now, he strats a new one on Monday. I'm a full time student, one semester away from graduation. We have a 14 year old and a 1 year old.We have an electric bill due friday we don't have the money for. It's 330.00. I've called the electric company and they can't work out a payment plan w/o us at least paying some of it. I've tried to get an apointment with city welfare and couldn't get through. We are located in Jacksonville, Fl. Any help is appreciated.
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.
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.