friends help: My name is Libby.

libbyc

My name is Libby.

I am 52 years old and married to a wonderful husband, Eddie. We had a sudden unexpected financial crisis in December that has put us back $9000. We had no savings (I have long been disabled and he works 2 low-pay jobs) so we borrowed the money out of our home equity. We have pleaded for help from family and finally got some, plus some from churches and friends, but we still need anything we can raise up to $5500 which would wipe out the debt. The crisis is that we are caring for my schizophrenic brother, who has had no income since December, will soon be getting Supplemental Secuity Income at the minimum allowed, and was going to lose his little dump of a house if we hadn’t cut a deal with the collector, in which we paid $5000 to reduce his mortgage by 10,000.

If anyone can help, even a little, please do. Eddie and I have always been givers, mostly to individuals in need, but also to food banks and to animal welfare organizations.

This open post was written 1 month, 4 weeks ago | V/U/S: 146, 18, 6 | Edit Post | Leave a reply | Report Post

Reciprocity (0)

Since writing this post libbyc may have helped people, but has not within the last 4 days. libbyc is a verified member, has been around for 1 month, 4 weeks and has 1 posts and 5 replies to their name.

Post Tags (10)

Schizophrenia, friends, marriage, food, Money, Animal, disability, Family, December, house (How Tags Affect Reciprocity)

Replies (18)

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king_sik 6 #
Leonardtown, MD, US | 1 month, 4 weeks ago (1 minute after post)

sorry. I can’t. I don’t know you.

Help me with: Is some happiness too much to ask?

Anonymous #
1 month, 4 weeks ago (3 minutes after post)

Wow, I can’t imagine having the sack to plead to family and friends for money, much less to strangers. I wish I had your nerve.

Anonymous #
1 month, 4 weeks ago (7 minutes after post)

you want money?

Anonymous #
1 month, 4 weeks ago (9 minutes after post)

Everyone on this site who is NOT $9,000 in the hole and who could NOT benefit from a bit of charity, please raise your hands.

Anonymous #
1 month, 4 weeks ago (12 minutes after post)

Anonymous wrote:
Wow, I can’t imagine having the sack to plead to family and friends for money, much less to strangers. I wish I had your nerve.

give her a break, she just came on here for help

Anonymous #
1 month, 4 weeks ago (13 minutes after post)

Anonymous wrote:
Everyone on this site who is NOT $9,000 in the hole and who could NOT benefit from a bit of charity, please raise your hands.

what do you mean?

Anonymous #
1 month, 4 weeks ago (14 minutes after post)

What I mean is, most people are struggling. Aren’t you?

Anonymous #
1 month, 4 weeks ago (16 minutes after post)

yes, yes that’s true.

But you can’t blame someone for trying to improve their situation

Anonymous #
1 month, 4 weeks ago (19 minutes after post)

Did I blame? If you reread my messages, you’ll see I was expressing my admiration for her nerve. Envying it, even.

Anonymous #
1 month, 4 weeks ago (21 minutes after post)

yea, but i thought you were being salcastic. or condeming her for her ordasity.

i takethat back then

Anonymous #
1 month, 4 weeks ago (23 minutes after post)

Actually, I was awestruck by her audacity. But I wasn’t exactly coming to a value judgment about it, except saying I wish I had it. Are you going to send her money?

Jakmeo #
An Unknown Location | 1 month, 4 weeks ago (27 minutes after post)

please send me some money.

This account has been deactivated.

Anonymous #
1 month, 4 weeks ago (29 minutes after post)

no, if only i had enough. i can’t aford a car at the mo, am staying with parents at mo.

theresape 30 #
Waltham, MA, US | 1 month, 4 weeks ago (40 minutes after post)

Guess she’d be better off looking for a better way to “improve her situation,” then, huh?

What about it, poster–are there other things you can do?
If you’re not working, could you take a job? (I know many disabled people who work.)
If you’re working part-time, could you work full-time?
If you’re working full-time, can you take a second job?
Could your husband get a higher-paying job?
Can you sell homemade baked good, pickles, knitted bootees?
Can you sell your home and move to a smaller, simpler place?
Can you move in with one of those generous relatives?
Can you rent out an additional room?
Do you have any possessions you can sell? Cars, computers, jewelry, TV?
Can you get any funds from the Social Security Administration for taking care of your disabled relative?
Do you have any retirement funds you can draw down on?
Are there any life insurance policies that have a cash-in value?

I am not unsympathetic–I am just trying to help you think of ways to raise cash in a crisis.

I wish you luck.

(1)

Help me with: I just posted a question, and it shows up under “my posts,” but not on the main page.

libbyc 0 #
An Unknown Location | 1 month, 4 weeks ago (40 minutes after post)

Hold on a minute, everybody. I understand fully that many people are worse off than me. The way I look at life is that if I am able to help someone worse off than myself, I try to do it. So now I’m just hoping that somebody who is better off than me will help me out.

I actually didn’t mean for that message you read to post. I was just trying to become a member and was then going to give a long explanation of just what I’ve been going through. But I cannot figure out how to get that explanation onto the site right now. Not good with computers.

I’ll just say this for now–When I was working years ago, my husband and I felt a calling to help poor people get their pets spayed and neutered. In my city back then there was little help available. We rented the cheapest place we could find where we could keep 30-40 cats at a time. We went into poor neighborhoods, knocked on doors, and found people who needed our help. Sometimes we helped with other problems they had. Once we bought a car for a poor lady working fast food. Another time I found a way to get an old man’s hospital bill paid. Do I sound like I’m bragging? I’m not.

I suddently had to go on Disability at age 41. My income dropped from 2400 a month to 792 a month. We had to stop our animal work. In fact, five years later we had not given a dime to anyone, and it was making me sick. I have been hospitalized for depression, anxiety, etc. twice, mainly because even with my husband’s income we can barely take care of ourselves and our 4 cats and 3 dogs. I thought by now, 11 years since going on Disability, that we would have our house paid off by now and we could start giving again, some to the homeless and poor and some for animal organizations. Everything was on track until December when Mama died, leaving “Dan” with no income (we had pleaded with him many times to apply for Dis., and had taken him to court once and got shot down.) Our house (first mortgage will be paid off in July.

I just thought that if we could get that Line of Credit ($5500) paid off, now that “Dan” will have some income finally (SSI), we will soon be able to live again, I mean, give again.

Libbyc

Hold on a minute, everybody.  I understand fully that many people are worse off than me.  The way I look at life is that if I am able to help someone worse off than myself, I try to do it.  So now I'm just hoping that somebody who is better off than me will help me out.

I actually didn't mean for that message you read to post.  I was just trying to become a member and was then going to give a long explanation of just what I've been going through.  But I cannot figure out how to get that explanation onto the site right now.  Not good with computers.

I'll just say this for now--When I was working years ago, my husband and I felt a calling to help poor people get their pets spayed and neutered.  In my city back then there was little help available.  We rented the cheapest place we could find where we could keep 30-40 cats at a time.  We went into poor neighborhoods, knocked on doors, and found people who needed our help.  Sometimes we helped with other problems they had.  Once we bought a car for a poor lady working fast food.  Another time I found a way to get an old man's hospital bill paid.  Do I sound like I'm bragging?  I'm not.

I suddently had to go on Disability at age 41.  My income dropped from 2400 a month to 792 a month.  We had to stop our animal work.  In fact, five years later we had not given a dime to anyone, and it was making me sick.  I have been hospitalized for depression, anxiety, etc. twice, mainly because even with my husband's income we can barely take care of ourselves and our 4 cats and 3 dogs.  I thought by now, 11 years since going on Disability, that we would have our house paid off by now and we could start giving again, some to the homeless and poor and some for animal organizations.   Everything was on track until December when Mama died, leaving "Dan" with no income (we had pleaded with him many times to apply for Dis., and had taken him to court once and got shot down.)  Our house (first mortgage will be paid off in July.

I just thought that if we could get that Line of Credit ($5500) paid off, now that "Dan" will have some income finally (SSI), we will soon be able to live again, I mean, give again.

Libbyc

theresape 30 #
Waltham, MA, US | 1 month, 4 weeks ago (1 hour, 4 minutes after post)

Libbyc–

I really admire the work you did for cats, which are a pet priority (no pun intended) of mine. But then I admire anyone who reaches out to help others. I am trying to help you think of other alternatives not because I think you don’t deserve a windfall from some generous stranger, but because I know you are unlikely to get one.

So please consider my suggestions as attempts to be helpful. Maybe if you put on your thinking cap you can come up with some other creative alternatives.

Help me with: I just posted a question, and it shows up under “my posts,” but not on the main page.

sansceriph 176 #
An Unknown Location | 1 month, 4 weeks ago (8 hours, 45 minutes after post)

To explain who you are, just go to Account Admin in the white box at the top of the page, and choose Profile. You can edit your info there.

Libby you’re a good person, and I hope we see you around here often. This isn’t a donation site, it’s pretty much only for advice, boredom relief and for making friends. And it’s great. The cyber-begging sites are out there, but the donations are drying up I hear because so many people are asking.

Theresape had some good suggestions. And for other non-monitary problems, we’re here.

Help me with: Hello, help friends, old and new, real and not so real.

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