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.

hi there....remember me i am daisy....sorry it took so long for me to get back to you....the abusive husband i left three years ago....i gave him the house and a truck....my son is from my first marriage...so me and my second husband don't have any children together....though sometimes i get so emotional and all i could do is cry....the man who raised me beat my mom everyday and put us kids in the closet...he thought he was protecting us from seeing all that....but hearing the screams of my mother "woody please don't hit me no more!!" got to me worse than kind of beating a man can give me....my mother means so much to me....ofcourse i love my jesus more....my mom is right up there with him....for the way love her so much.. after all the kids grew up and were gone...mom just stopped taking care of woody....didn't cook didn't talk to him....didn't wash his clothes....and when he saw that....he went to a woman who would do all that....so woody left her....we were so happy....my mother is happily married now to a man that will never hit her....someone who really loves her and helps her with everything....i am proud of my mother...my mother is fine now and safe....but the emotional scars are there and it remains that i sometimes can't deal with them....like right now....i think about it and wish to god there was something i could have done back then....i was only 3 years old....what could i have done....he also beat us kids too.... you know 6 years ago....i seen woody at my brothers house....my brother has always been scared of him....i am not scared of him...i hated him for a while....i got in his face and told him how i felt about hitting my mom for all those 28 years....you know he denied everything....the coward he is he stood there before me and his new wife and denied everything....it is only a matter of time that she will find out the truth....he still cheats on his new wife....he cheated on my mother....just like when i was 16...he asked me to lay with him....i couldn't believe it....he used hunting....(something that i loved to do so much....as a way to try to get into my pants....i was 16 years old....when i was smaller i remember him playing some kind of games with me....i didn't start remembering them until i married chris and chris started reminding me of woody (my step dad)....i did tell my mom what was going on....then i stuck with the truth for a week....i told my mom yes mama he did this to me....she believed me....but i seen her cry everyday....and i am very close to my mother....i couldn't bare to see the pain in her eyes any longer....so i told her i lied....i told her i was trying to get even with woody for making me break up with my first boyfriend....i didn't lie ms jotmom...i just wanted everything to get back to normal....it did get back to normal...i was very careful to avoid woody on his off days...i had 4 horses growing up so i stayed in the woods most of the days....and i would come home way after bed time....i was the black sheep of the family..my sister and brothers wouldn't talk to me....because woodie told them lies about me....plus they (my own brothers and sister ) talked about my face and made fun of me....so yeah i have emotional problems....sometimes i can deal with them....sometimes i can't... the man you see beside me in my profile picture....he is the best thing that has ever happened to me....he is a wonderful man...he is 10 years younger than me....he is 29 and i am 39....but still age is only numbers....he is slow to anger....patient...don't complain...he don't gripe....he is everything in my book....the perfect man....i have to go...it is getting late....if you can....i would like to take you up on that offer about the phone number....because....moral support is better than any amount of cash there is....thanks for caring....can you please send a private message to me with your phone number....lol i promise right here and now i will not be calling all hours of the night....or the day....only at reasonable times....daniel he is trying to help me...but him being a man and all....he can't relate to me....so thanks and god speed daisy

i am a single mom of 4 i really need your help . i will pray for ur great hearts that help people like me and that give us ur help in any way . please any help i need clothin,shoes,school suplies any everything you dont want or need .thankyou for everything .love u clarita

 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?

 in response to dogeatdog...   Hi!....and thank you glad to be here

Welcome LovesJesus

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 dogeatdog...   Hello, from past experiences I agree with this post.
Have a great day!

 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.

PROPHET JAMES D SMITH 24 HR PRYER LINE 904 406- 0784

 in response to shingingstar...   ok thanks

there is a site called freecycle where people give away things they no longer need , if you have a way to pick the stuff up and repond to them when they post you might be able to find some clothes for her there , probably worth a shot ... hope it helps

ello yall im doing this for my mom she need cloths jeans and some shirts she gain weight from taking depreshen meds mad her gain a lot but anys if some 1 has any plese let me no and thanks she weres size 18 in womans and 1xshirt just email me plese at sheila.hall70@yahoo.com

this store is small but has a wide variety of clothes, accessories, a few toys and housewares and books. It has THE BEST PRICES of any thrift store in the area, and the staff is very nice. Easy street parking.

 in response to julia luz...   what's the matter hun"?

 in response to realme...   Sir,
First of all keep all medical records of Doctor visits and Doctor's notes and medications given. I have assisted individuals just it this regard, also it depends on your State where you reside, Lawyers will take your case they don't get paid unless you win. It does consist of lots of redcaps on the Governments part that is why we have good Lawyers. Get info through friends, do your research library books know your rights don't give up be persistent

does anyone here know how to apply or where to go to apply for medical disability? There are to many bogus websites that merely advertise their know how in disability I really am sick(copd or other breathing problems) and I at least know our social security system was not set up to make lawyers rich. We are supposed to be able to do this ourselves with the S.S. DEPT. But so many people have learned how to get their whole families on disability, that the system turned its back on everyone. Thus this created a whole cottage industry for lawyers.

Check your email :) I replied using a different email account that gets checked more often.

 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.

 in response to Godspeed1...   We sent you several emails and messages with no response from you. The packages are at the Paterson fedex distribution center. You failed to give us an apartment number and phone number. Im not sure why you would not have included an apartment number? Fedex tried to deliver 6 times but does not have the correct information. Please check your email!

I thought that my dreams were suppose to come and be satisfied from the Polo family and it did not because the Polo family agree to send me some presents for my child that is four years old and had told me that the items (presents) for my son supposely be here last Thursday by Fed-Ex, And i waited for a dream that did not come true, Thank You Family Polo.......

I hope things will work out for all of us....

I'm still trying to get a kindle for my 12 yr old. I can do portraits and just about any type artwork to payback.also if yer in my area I do pinup girl hair and make-up if someone has a special night out planned and wants to add some diva. I have skills,but am unable to hold a job that would cover my medical or understand the days when clinical depression or ptsd has me to freaked out to leave the house.

Can someone tell me how would I see if someone wrote back or commented on my post. I'm new at this and don't know how I would find it.

 in response to alisi...   I'm having the same problem it seems, so I just wanted to let you know that I see this post, so whatever you did to post that time is correct.

i dont know how this site works, i posted an ad earlier i think im not sure so im just seeing if this time i do it right

If anyone out there needs a portrait or artwork for a contribution towards my present fund for my two boys,please contact me!

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.

Help I can't figure out how to post on pages!

Well I thank you anyway.... at least pray for us..

Hello I need one used laptop. anybody here can help me?

I need help in getting food and paying my bills. I need to also get new glasses and dental work badly. I am married and my wife is in the same boat as me I am at my wits end with trying to get the money to pay for fooed and my bills Im already 2000 dollers in debt and cannot see the light on the other end I need help is there someone that can help me with the things I despertaly need Please Help Me

desperately seeking help with transportation and finding work

This has been a very bad year for my kids and I and im so sorry that I cant afford to give my 4 girls a christmas. No gifts nothing! Dad left us a few months back while.i was pregnant and im trying to get on my feet I am trying to keep the utilities on with the money I do have dont even have much for basic needs(soap, diapers, toilet paper). Never mind gifts. I want my girls to have somethomg under the tree...anything would help...they have gone w/out since he has left. Id like them to have one good day : ) I know there has to be someone out there that can help us. I will help back in anyway that I can.
Thank you!

 in response to redjo64050...   i went to church today 2 times i still in need help for x-mas plzz help my kids any thing would be great

anyone knw where they are hiring im baked up on bills need a job asap

I really need winter cloths for them or they will freeze they have only sweatshirts no they need boots good jackets,gloves scarfs ,any thing to do with winter my name is Cheryl please call if you wish I can give you sizes. 720-329-7309 thank you from the bottom. Of my heart lol lol lol

hi we live in independence mo an we need help with x-mas 12 yr old daughter wears 11 in jrs xl in shirts an coat she wears a 71/2 in shoes and boots [she needs clothes an boots shoes ] whatever u would like to get her now my son is 10 yrs old he wears a 14 slim in jeans xl in shirts an coat he could use a bike 26 inch he loves racing tony Stewart i need help if u decide u are gonna help plz contact 816-359-9429

On my homepage I have crafts and suggestions for gifts for Christmas, anit much but could be fun. There are also some that you can have the kids help with. If that isn't good enough I think I can dig up a few more. There are also other post that may be of help and could help loosen a purse string or two.They are there for anyone who needs them. Do you have these number 1-800-886-2282 American Brain Tumor Association or 1-800-934-CURE (14324) for disabilities and life threatening conditions: 1-800 835 1043 Institute of Logopedics 1-800-344-5405 ABLEDATA 1-800-333-6293 National center for Youth with Disabilities 1-800-426-2133 National Support Center for Persons with Disabilities That will give you a few to go through, don't be bashful either ask if they have any financial assistance that they can give. I might be able to come up with a few more if I kknew the name of it. Is it near or touch upon the spine? I aveTwo more for that and two more that cover disabilities- I don't know which ones. I have 5 more dealing with Terminal Illnesses. Here's one 1-800-999-6673 National Organization for Rare Disorders$ more for head/brain injury. Let me know if you want them all. Good Luck and God Bless

thanks for your inspiration and information. If you really prayed for me, IT WORKED!!! I was hired at a temp agency and although it's not permanent, I have been able to put food on our table, catch up on some bills and build relationship with the employers so hopefully they will keep me on for good. Thanks for your encouragement and I will remember to pray for you as well.

I am a single mom don't have anything to give my kids for Xmas.also our elect will be shut off in two days we really need help scence my husband died. Things just haven't been the same we also pay our rent on dec. 1st I do not ever ask for anything. But this year I just can't make it any more. I have 4kids the youngest is four ,14,18,24,thanks for everyone that listened.ciismert@hotmail.com.

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

I am a 49yr old father who is unemployed, receiving public assistance and going to school in the Bronx, NY. I barely make ends meet and I am very proud of my son who is doing great in school. Putting my pride in my pocket, I am asking anyone who can, to help me give a great kid (my handsome son Brandon) a Christmas gift. I am very embarrassed in having to ask, but I don't know who else to ask. If there are any Santa's out there who can help me, I would very much appreciate it. My name is Leonardo Vega and my son Brandon is 11 years old. My email is cano1362@yahoo.com and I will give you my phone number when you email me so we can talk. Thank you world, Love saves the Day!

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.

 in response to moms 123...   Honey,
Please dont be so down.. Have faith! It is not what we have here but what we get here after. I understand your sorrows.. yes it is very sad.
There are so many people in this world hurting, and then there are alot of people in this world who have tons of money and cant seem to find it in them selves to help people out such people as you and I. If I find anything or anyone who can help I will let you know.
Right now, while I still have a roof over our heads, I am trying to find a way to make sure I give my three grand boys a Christmas. Still no luck on anything!
Take care friend

Now im faced with being homeless with my children and me fighting cancer,my LANLORD has not paid taxes on this house and its going to be taken away. Why is this happening, I have no money to move or the strength to do it....

debrak: I know just how u feel. I have worked hard all my life...just wanting to have a home for my family. Now after 19 yrs, I am losing my home. Everything I have worked for is going down the drain. I feel so all alone. I have a few pieces of furniture. My son has been handicapped since birth. When I pass on, I have nothing to leave my loved ones. It seems so unfair. It's very hard to deal with. I have applied and applied for assistance, and then they want me to pay, for the assistance. I don't have enuf income to cover all my bills....I just cry and try to go on day by day. God Bless I'm too old to start over too moms

free gas cards for my car please john merrell lindsaymerrell@gmail.com thank you.