in response to seekinghelp2012...how do you eat an elephant? one bite at a time. the answer is a snowball effect with a livable budget. key word livable. you cannot live on romen noodles and staying home. but you can eliminate that debt on your own con-solidation places are just that. even if they are ligit and mean well the power needs to lye on you. i have done this too. live and learn trust me snow ball that 500.oo a month in ten months you would have taken care of 5,000 of that debt, but at the rate it will go faster than that. because your other debts will be eliminated entirely. write down all of you debts even if there is an over due library book. 1 dollars. to largest debt home mortguage. pay only the minimum payments on all of them and focus the remaining money on the smallest or smallest 2-3 debts say a furniture bill or small credit card. and then pour the savings into next months debts and repeat. i got a easy to under stand from a chapter in the book called "Getting control: the complete guide to getting yourself out of horrible debt by troy flora available on amazon.com good luck! any qestions just ask me. i did it and you can too.
in response to The Real Cie...I don't know what to say, I have bipolar, Fibro,ADD PTSD,. I don't work lost my job, waiting for disibality, but I wont be to live on that. I havent eaten in a few days. But there is no help for me, and this is bull. We have TV minister living in million dollar home, they are worth billions. They live tax free, almost everything they buy is tax free. Company come to the US they are tax free for several years. who made these stupid tax laws?
There are a lot of people here who need help so I'm not terribly hopeful, but here goes. I am mentally ill. I have type II bipolar disorder, borderline personality disorder, and obsessive compulsive disorder which partially manifests as hoarding disorder. I have hoarded objects, not animals. I have 5 cats, which some may think is "a lot of cats" but it does not qualify as animal hoarding. I am working on the hoarding problem but it is an uphill battle. Sometimes I do better than others.
In spite of my mental illness, I do work. I make well above minimum wage, as I make $17 an hour. I work 32 hours a week. This is about all I can do without it making me extremely depressed or physically sick. I also have fibromyalgia and sciatica as well as asthma and mild hypertension.
I fall into a marginalized category. Because I make the salary I do, I do not qualify for food stamps. However, once taxes and insurance are taken out of my pay, I only take home about $1400 a month. I am in an upside down mortgage in a mobile home and my credit is damaged. Thus refinancing seems to be out of the question--no-one will touch me. Between mortgage and lot rent, I pay $1100 a month.
My mother has helped me out for several years with utility bills. I do not eat much except at work. I get things like cheese whiz and crackers and canned fruit juice or jello that does not need refrigeration when I am at home as I do not have a working refrigerator.
Last year my mobile home incurred very bad damage when the water heater started leaking and I didn't know it until my son realized that the carpet in the hall was wet. The walls and floors of 3 rooms had to be removed. Overall the repairs cost over $20,000. My mother helped out with this. But she is stuck with my late father's medical bills and really can't help any more. I am ashamed to ask her for help anyway.
I do not have working plumbing except in the bathroom sink. Fortunately I am able to shower and wash my clothes at work. I do not have much in the way of furniture but I'm not so worried about that.
I still owe $43,000 on this horrible 15% mortgage, which I have had for 10 years. The original mortgage was $45,000. You can see that I am mostly paying interest. I am in a no-win situation.
I just got through paying off a bunch of payday loans that I had to take out when I was doing a month unpaid internship to obtain my LPN license last April. I also maxed out my credit cards. I still owe about $1200 in credit card bills. This destroyed my credit, which I had worked very hard to build back up to a passable score.
I have medical issues which I have not been able to afford to take care of and I have not been to a dentist in 6 years.
I feel very depressed most of the time and think about suicide every day. I am not a lazy person but I have had a lot of barriers to my success in my life.
It seems that if I had nothing at all there would be some resources from me. But since I am working and have this mobile home I fall into the Twilight Zone where no-one can or will help me.
Thanks for reading.
in response to seekinghelp2012...Consolidating debts is rarely the best way to go in trying to reduce your debt levels. Best thing to do is to develope a budget and a plan and stick to it.
Does anyone know of a place to consolidate debts for persons with bad credit. I would even consider peer to peer lending if there are any wealthy individuals willing to help a single, graduate student, with a full time job. I've suffered some financial misfortunes but I'm trying to get back on track. I need about $50,000 and I can comfortably pay be $450 - $550 per month. Please help in any way that you can and it will be greatly appreciated.
I am in the same shape as U!! But I believe if I help others it will come back my way one day!! Please let me know what I can do for U!! Find me as a Friend on FB! Marsha Cooper from Kite, Ga.
in response to gonecrazy...First of all you and your husband are still married, it is still his responsesability, to give his family home, even if that means he does without. Go for disability, I have Bipolar, an chronic pain.
God Bless you I hope the best for you.
God please send me an angel I'm trying so hard I know you work in mysterious ways I will not lose faith in you. Thank you for all you have blessed me an my family with.
money problem is fast becoming the nation problem what do you think you should change in your life to be better off and have all the things you need some of the world most populas nations citizen are living on a dollar a day that might sound stupid to americans but try it put a dollar a day away and never look back and see how quick it adds up try finding that dollar from things you beleive you do not need to have but make sure you save and let me know how it work but you must try it and have faith in yourself because if you dont have faith in yourself no one will
PLease i need help on my electric bill before the 11/18/2011,i have been paying on old bill all summer from last year and my unit was broke we had 5 portable heaters and it ran light bill so high and i couldn't pay 180.00 dollar on top of my light bill to so i have been paying extra but they want more and now i have to have the rest on the 18th but they will work with me to pay 350.00 dollars and work with me on the rest wish want be but about 250.00 dollar.......please let me know something by the weekend if possiable thank you....
I am struggling now but I am determined to make in the cruel world I plan to have better for my children no matter what I am going through now I will better myself to make a better world for my friends
Help! I need help on bills. I've been disabled for some time now (I had a stroke). I have a couple of bills that have gone into collections, and I was talking to a collector recently who mentioned these resources. If it's possible I would like to get these bills paid off. There are a couple that are $2000 and not being able to work to pay these off has become a problem. I don't make enough with disability to make payment arrangements in order to pay these off. I'm considered permanently disabled. I want to work, but because of the tremor I have in my left hand and very limited use of it, I'm not able.
Health dealt me a rough one, but I am still trying even though I have a heart condition and 2 bad knees and have to wear braces for support. Throw in my breathing on top of that and you might wonder how I do anything. I still go to grandchildrens sporting events and give advice in those sports that I used to coach. The coaches sure appreciated some of the help I was able to give. Coached 12 years of youth baseball,softball fas and slow pitch,and bowling. Now I need to construct a new house and make it handicap accessable. Exploring grants and also thinking about maybe trying to build solar panels at home in spare time to have something to do once I have the new home built.
i am here looking to find a way to get a wish granted for me and my children. i am a hard worker and i am currently tearing apart a trailer my mom has given to me because i begged her to let me keep it when she wanted to scrap it... although she finds it junk i find it a beautiful shell to start my family and i in for a new life and on our own. i live in a small town in brooklin maine and it doesnt have many jobs and all jobs are currently taken... i could get a job in another town but i would need a vehicle to get there but with no job i cant get a job...... im just looking for maybe a little guidance if it is all i can get or more. i can get a job i just need help with a vehicle and help rebuilding me and my childrens home..... thank you for whoever reads this... i hope anyone out there who really needs the help like i do is lucky enough to receive it... that is a blessing to receive,,,, i was blessed my mom allowed me to keep the metal mobile home to rebuild how i see fit.... thanks mom,,, i love u!!
in response to WishfulThinking...i am in need of help, but there are times when i like helping people. I need help with my car getting fixed.So i can get a job in the medcial field. I am a Certified Medical Assistant
I'm a person who loves to smile and make people laugh. But hurts to see my family suffer. so I'm asking Extreme Makeover: Home Edition to bless me and my family with a normal house to call home. Please atlest take a look and see for yourself. I'm tired of seeing our family like this. For once I just want electric so my mom can take her astma treatment and we can have a wonderful family dinner in a house with electric and running water for the first time . And maybe my mom and dad will stop getting sick. And stop worrying about us. And relax cause they need it. Cause we love and need them very much. Please come and see and if u dont like what u see you don't have to help but. Please help me and my family . I'm begging on my knees with all my heart. Thank you love star
I was working on a farm and the boss that thinks she knows how to run a farm well she fired me for no reason what so ever if there is anything that you can do for me and my finance who is disabled with a service dog find a place to live we are in desperate need of a place to live so please help and god bless you
in response to montedreams...Hello, Thank you for the information. I went to the website and it directed me to the local chapter in my area, however that site said the application list is now closed due to the number of requests. If you have any other suggestions I would love to know. Again I thank you for your help.
Please I Was Told I Only Had 30 Days To get A Attorney Now My Time Is Up I Need SomeLand Fill Please This Is My Frist Home I Dont Want It To Sink I Have Tryed Free Dirt .Com I Dont Have The Money For Land Fill I Spent It All On Trying To Get This Case Back In Court Please Some One Help Me With Some Land Fill Befor Its Too Late The City Wont Help Please This Is Not A FLood Zone I Am The Only Home That Gets Water Please Help Me Find Some Land Fill
yes is there anyone from north carolina or south carolina that can tell me please to get help in my area please of rowan county nc salisbury nc thank you god bless you for your help
I NEED HELP WITH FOOD CLOTHES MEDICALS JOB WORK A PLACE TO STAY AND SLEEP GET AROUND IN MY CITY OF SALISBURY ROWAN COUNTY NC TALK WITH PASTORS AND PRAYER FOR ME PLEASE THANK YOU AND ANYTHING ELSE I SHOULD NEED THANKS GOD BLESS YOU HAVE A GREAT WEEK.
in response to Schmidty...schmidty its been so long ago since mar 18, 2011! and so much has happen some grant imfo was dispatched to me but with a price . i,d forgotten about it til recently started having trouble again with lights. water bill, i,m disabled been since 90,s got s.s dsbly in 1995. my heart goes out to lady about to be evicted, lost a baby i,desire to have them. my heart goes out to patrick ,try home bizz.com to answer schmidt ,i, been away from site so long, and when returned who ever does post there was trouble with site like patrick stated. so what ever my orig need was, still is. i,say to others on board this site i,don,t kow what you,re going through, don,t want to know you,re bizz! heres what i, suggest seek imfomation, pray daily find a local group, or establish one for bible study ,prayer before and after its putting god first take care of his bizz he,ll take care of yours. love ya,ll be blessed! and i,m on yahoo chat if anyone is interested prayer conversation, where 2 or more gather in his name he,s in the midst. jerald_tapp@yahoo.com
in response to gonecrazy...oh my goodness so many needs outside of the dental posted on this page. I used to work for The Homeless Coalition in Florida so I am suggesting that no matter where you live, if you have need for housing or anything, check with your local homeless association or your local Department of Children and Families and they will certainly do all they can to help. GOD bless each and every one of you and may He answer all your cries for help in Jesus Name. Amen
I am a mother of 2 wonderful children who has lost everything. my husband and i are seperated and my children and I need a place to stay. I have no home and I am unable to work due to severe depression and chronic pain. I would like to know if anyone knows anywhere I may be able to receive some help to get a home at the very least!
I AM BEING KICK OUT OF MY APARTMENT FOR NOT PAYING MY RENT BECAUSE I WAS HAVING BACK PAINS AND HAD TO BE OFF WORK.I DESPERATLY NEED MONEY TO HELP KEEP MY HOME PLEASE TRY AS SOON AS POSSIBLE.THANK YOU; I ASK FOR GODS LIGHT TO KEEP SHINNING ON YOU.$500.00 NEEDED PLEASE.
Hi, How are you? I was just thinking of you and wondering how you are getting along. I see you have a pounding headache. Me too! I have had my battles with that quite a bit too. Hope you have a great night!
in response to pe65mustg...I could only dream of something like implants. I am in severe pain so I understand how frustrating it is when your credit keeps you from getting the help you need. Its not much but I will pray for your situation.
Need some implants and bridges I went to a dent here in provo and paid them up front $15,000.00 to fix my husbsnd and my teeth three years ago, and now I'm teeth have been falling out and my husbands is about there . He got laid off for the last year and now found work but it is and we are now rasing our grandchildren . Is there any where that takes payments with out a credit service our credit is bad now
in response to Babygirl3322...Calm down for one. You get panicy like this you can't think straight, nobody can.Take a couple of deep breaths.Read your message again and please clarify.I'm not a mind readerand your sentences are like mine when I hae a thousand things running through it.In other words part of it is left out. You know what you are talking about.
You are at a loss to do you are on central section 8 and about 5 other housing list? Wait, that's all you can do, see if friends , family, or churches will help you out until you are called on the list. What happened to your house?
You have to be off work for 12 months before collecting SSDI, I think it's the same for SSI, You might check, if he's on SSI only he should apply for SSDI they are separate.Some really good people who can help you with that is www.DisabilityDigest.com .For some other assistance visit my homepage.The posts I have there covers information on several subjects.It's there for everyones use. Good Luck and God Bless
in response to Schmidty...I am absolutely desperate here! I have a 33 yr old husband that has stage 4 colon cancer that is terminal. We also have 3 young boys. Due to radiation daily and chemotherapy everyother week I can't work. I'm at a loss of what to do here I am on central section 8 list. And about 5 housing lists. Another issue is that my husband has been approved for ssi but even though he has been Here since six years old. As well my husband worked very hard in the system for years. We got married,bought a house and had three boys. I'm at a loss i feel so helpless! Can anyone help with suggestions?
in response to Sage54...I have plenty of information on my homepage that you can access that should be of help.There is a post on free rent, there is a post on organizations that help financially, there are post of free or almost free Auto's.But they would rather fix one than give a car away. Everything you are looking for.Visit as often as you wish. Good Luck and God Bless
