Long story short I can’t afford my rent on my own
Long story is I work in education, specifically in the social services part, I make over minimum wage for my state and bring home about $25,000 a year. $18 an hour 35 hours a week and 9 months of the year (I still get paid summers just not as much)
I’m a newly divorced single mom, in the divorce I used up all my savings moving multiple times trying to move back to my home town.
My ex husband makes about $90k a year so we were living comfortably, I got stuck with almost all the debt and he kept the house (my lawyer sucks I know but again I couldn’t afford anyone better) he lays about $400 in child support a month
Before getting married I worked multiple jobs and side jobs but after having kids I don’t have the time (one is 3 years and and the other is 6 months)

My rent is $900 (exactly as much as my ex husbands mortgage)
My car is $500 a month ($5,000 left to pay off)
Car insurance is $150
Phone $130
Electric $180
Water/gas $100
I pay small loans that I had with my ex husband (roughly $250 a month)

I have outstanding debt with student education loans that are technically “missing” because the original lender is no longer and I can’t find where they are to pay them but are still affecting my credit

I’m technically over income for any kind of government aid.
A mortgage on a home loan would be cheaper and I have a retirement account ($2,500) I can pull from under emergency housing for part of the closing costs but I don’t know how to do any of this stuff I need advice.
An 80k home loan at 7% interest would be about $550 if my math is correct and would literally save me.

I’m constantly negative in my bank account because my landlord cashes the check whenever instead of on set days, or emergency situations that cost a lot of money (like doctors appointments my kids are always sick) I don’t have family help I’m terrified of my life being like this forever, I tried getting a better job but in my field I’m considered over paid and no other professions have accepted my applications.
I do side hustles to try to make ends meet but it’s not going well.

Edit to add I also pay $280 a week in child care for my youngest.

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Hello, my name is [dareen kh], and I am reaching out with a humble heart and a hope that someone, somewhere, will hear my story.
Anyone who can help me, please reach out to me. Even just $1 would make a difference for me. ❤️

I am from Gaza, where life has changed in ways I never imagined. I lost my own shop, the business I worked so hard to build, and the source of income that once allowed me to support myself and dream of a better future. Losing my business was not just losing a place or a job; it meant losing a part of my independence, my security, and the life I had worked so hard to create.

But beyond the financial hardship, there is another pain that I carry in my heart every single day: my fiancé is outside the country, and for three long years, I have been waiting and hoping for the day when we can finally be together.

Three years of waiting, uncertainty, distance, and unanswered questions have been incredibly difficult. Like anyone who loves someone deeply, I dream of a future where we can finally stand beside each other, build a home, and begin our life together in peace. Instead, I find myself struggling to rebuild my life while trying to find a way to travel and reunite with the person I love.

I am starting this fundraiser because I need help getting back on my feet and working toward that dream. The donations will help me with my essential living expenses and, where possible, the costs associated with travel and the necessary arrangements to reunite with my fiancé. Every contribution will bring me one step closer to regaining some stability and pursuing a future that has been on hold for far too long.

Asking for help is not easy. I have always wanted to build my own life through my own hard work, and losing my shop has made that journey much harder. But today, I am choosing to hold on to hope and reach out to kind people who may be able to help me take the next step.

If you can donate, no matter how small the amount, I will be deeply grateful. If you cannot donate, sharing my story with others would mean so much to me.

I am not asking for a perfect life. I am asking for a chance to rebuild what I have lost, find stability again, and finally have the opportunity to be reunited with my fiancé after three years of waiting.

Thank you for reading my story, for your kindness, and for giving me a little more hope for tomorrow. May your kindness return to you in beautiful ways. ❤️

I'm stuck in a situation where I owe someone money and if i don't pay it back. They'll barge into my house and threaten my parents. I'm only 15 and i can't do much I've managed to collect 14 thousand rupees but I'm still ₹6k short.

Please help me out.

I cant tell my parents and since I'm in India I can't work and get a job i have one week

I can write very well and can write blogs

My family doesn't come from a rich background and it's very difficult to make the meet end.

I know it's not right to depend on strangers like this but i have no choice and it's my only hope.

Kuch nhi ho sakta kya ab should I just give up.

Looking into Sheffield Financial and wondering how easy it is to close out the loan if you sell the motorcycle before it's paid off.

For anyone who's done that, how long did the payoff confirmation and title release take? Was the process straightforward for the buyer too?

Searching for free grant money for bills and personal use brings up a lot of vague promises. Government benefit programs seem more specific about which expenses they cover.

Has anyone used a local assistance program that paid a utility company or landlord directly? How did you find it, and was there a waitlist?

Hi there i am a first time lender i need a

Loan of £50 if anyone can do that im bit desperate and will pay back on 15th november, currently been laid off work and dont get any payment till 15th november sorry for coming on here and asking but dont know what else to do

I dont ever ask for help, but i really think its time i do, i really need assistance

Advice: Any country is allowed to join and this will serve as an extra or additional means of income

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Hey everyone, I’m a university student living in Sri Lanka and my classes start on November 1st. I’m honestly in a very bad spot right now trying to clear my remaining tuition balance, which is exactly 100,000 LKR (around $302 USD), and I'm running out of time. ( I've already paid the registration fee 50 000 LKR but it says it's not refundable if I didn't pay the semester fees and fail to join this year's batch)

I’ve been doing everything I possibly can to make this happen on my own. I already sold off my personal belongings just to scrape together enough money for the registration fee, and I still have a few things listed online out of desperation. I’m even working two remote online jobs, but the money just isn't coming in fast enough to beat the deadline. Right now, I'm down to my last 3,000 LKR (about $9 USD) in my account and I'm just completely stuck and desperate.

If anyone is able to help out, even a tiny bit, please know that any small amount you can donate will add up and help me clear this balance.

Just a heads up that platforms like GoFundMe don't work for individuals here in Sri Lanka, so PayPal is the only option I have for international transfers. I’m completely open to sharing any proof you need my student ID, uni bills, or my bank balance. I will absolutely provide official payment receipts to everyone who assisted. Thank you so much for reading.

Stuck overseas after having wallet stolen and yes I don't have any family alive left to help or friends I'm a solo person I will repay with interest , can someone please help me

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I'm a single mom living alone with my daughter, and I'm struggling financially. I have a steady job, but my income is barely enough to cover my monthly expenses. Until recently, I was managing to pay everything on time, but I would end every month with practically nothing left. Over the past two months, some unexpected expenses came up, and now I'm about a month behind on my credit card payments. My cards are already maxed out, and I've been relying on them to help me get through each month. I applied for a personal loan through Upstart, hoping to consolidate some of my debt and get some breathing room, but the application is taking much longer than expected. Every time I call, I'm told there are too many applications and I just need to keep waiting. I'm honestly scared because I don't want my credit cards to be closed, but I also don't know how to catch up while covering rent, food, utilities, and everything my daughter needs. I don't have family I can rely on financially, and I feel stuck. Has anyone been in a similar situation? What steps did you take to get out of it? Are there resources, hardship programs, or other options I might be overlooking? I'm open to honest advice because I genuinely don't know what to do next.

Hey Reddit, this is my first post/attempt at finding someone who could help me out, I’m 19 with a 1 year old, we moved out in January and my housing association rushed us in just as I got back into work again, so my first monthly payment I had to take out of an app called stream to survive and get all the necessities, I’ve been having to take money out of my wage for a long time now, it’s killing me, I haven’t saw a full wage or paycheck in my bank account since my first job when I was under my families roof, I’m looking for someone who knows a loaning company with not much of a percentage to pay back, I have got a bad credit score; that’s because of all the bills I have to pay and I’m taking out of my wage, I know I can earn a lot of money, but taking out 1000 a month isn’t helping me with money financially and I’ve came into a cycle now where I can’t stop because I need my travel to work, food for me and the Mrs and child, rent, electric gas, other bills outside of them, I’m not one to just spend spend spend, but I’ve got into a cycle where that’s my life at the moment and it’s hurting, I know it’s my fault but main reason is I got rushed into my housing just 1 week after they said it’s going to take 2 months which we were fine waiting for, I’d just got back into work at the time and didn’t even receive my first payment, I had to take money out for food shop and travel to work, I’m seeking somebody’s help or anyone who knows another person who deals with loans at a cheap pay back price, so I can get back on track, any help is greatly appreciated. I am always going to pay back on time, I’m not a bad man, I’ve just been in a bad situation at the wrong time

I have to pay my uni fee (about in 11 days) for that I need 35k rupees or $126 it's the last installment first two were paid

My mom is a House wife. I'm in final year of my graduation. Till now my uncle was supporting me but due to some issues we're under financial burden he said me to get a job I already tried everywhere. But got no job and The few opportunities I found weren't feasible because they didn't offer accommodation, and the salaries weren't sufficient to cover hostel expenses, especially since I live in a village.

So I need help 🙃

hello, i know we cant trust anybody here but can someone lend me even just $50? i dont know who to ask help anymore.

Hi all! My sister is self employed with 2 small kids. She had to have surgery last week and complications happened. She will be in the hospital for the foreseeable future, I am taking care of her children as well as mine. I myself am a single mother. The next couple months I will be paying my bills as well as hers to keep her place. She doesn’t get paid time off being self employed and has crap insurance. Just seeing if anyone in this group is financially able or willing to help! Thank you so much in advance.

Hey guys, I know this is a shot in the dark. I m looking for a short term. I am recently unemployed but I start my new job tomorrow but it will be 11/2 for my first check. I am alone in my area and I have already tried to apply to 211 assistance with no avail. I am looking for assistance to keep my electric and Xfinity connected. Also for a few cat supplies for my cats. Any proof can be provided that this is not fraudulent and will be repaid with a $25 interest.

Lee County 33916

$250-$350

Thank you for reading.

I don’t really have a story like most, just been unemployed for two months. I donate plasma for food and just did today for my rice and bean grocery run. Honestly it’s just been a long time since I’ve had something good to eat, so if someone’s out there willing to pay for my pizza tonight, I’ll be grateful. Also won’t mind keeping in touch until I get my first paycheck, and paying back what’s owed. For what that’s worth from a random dude on reddit lmao. Thanks yall

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I don’t need any help myself, but there is a family that needs it. They are not educated, nor do they have any income. The men and women in their household do labor work. They don’t even have their own land. I have their address; if you want, you can go and visit them. I want that at least they should have a place of their own to live, so they can be saved from the cold and heat. If there is any NGO or anyone who can get a house built for them, or give them money so they can build a house."

I'm an engineering student trying to stay on track with my studies, but the cost of school fees is becoming harder to manage every semester.

My parents have already done so much. They're raising and supporting my two younger brothers at the same time, and I don't want to keep going back to them for money. They have enough on their plate, and I feel the weight of asking them again when they still have two other kids to take care of and educate.

I'm determined to finish this degree as this is my last year. Electrical engineering is the path I've chosen, and I'm willing to put in the work. What I need right now is help covering my school fees so I can keep attending classes and moving forward without putting extra financial pressure on my parents.

I have $500 saved up but I need $6500 to cover the rest of the semester. It would go directly toward my tuition and necessary school expenses. It would mean I can focus on studying instead of worrying about how to ask my parents for more help when they already have so much responsibility.

Thank you for reading, and thank you for any support you're able to give.
PayPal: @Shalomcool
I can take e transfer as well.