Goal:
 USD $30,000
Raised:
 USD $180
Campaign funds will be received by Carol Dwyer
I decided to create this fundraiser, asking for help with accumulating debt after my dad passed away of a cardiac arrest this past June. He was a 101st Airborne Veteran, shown in my header photo, and had been struggling financially, especially since my mom died just over 5 years ago. I've been in a job search for longer than expected and am beyond the age to get veteran survivor benefits. As a cushion, I cashed out my life insurance of about $4,000 and sold my dad's car for $3,000 back in September. However, the bills due since then and grocery expenses completely used up that money. Some of the bills were in my dad's name and he'd gotten behind in some cases due to his financial difficulties. I had actually tried several fundraisers to help in the meantime as my job search continued. They were to cover at least a year's worth of his monthly bills and some out-of-pocket emergencies, including household repairs and a new engine for his car. The engine died back in March 2022 and he couldn't come up with the money for almost a year; it cost $8,000. He finally got a new engine this past spring. Now that he passed away, if any of those fundraising efforts had money left, I could cover expenses I'm trying to address while still on a job search. Those fundraisers didn't do so well; only a combined $425 raised in 2 years. Things have gotten to the point at which I need to try again; this is the first time I'm using this fundraising platform. Expenses I need to fundraise for include:
I'm planning the sell the house, either as is or with some repairs. However, I don't know when the house will be ready to sell. It's not on the market and when it is, I don't know how long it'll take to sell. So, I can't rely on that money to cover my expenses that are due beginning near the end of October and through the next few months as I continue my job search. I've been stuck in a pattern of not hearing back or rejections from what I apply to; it's been the worst time to go through that. There's nobody who can co-sign a loan to help me that way, so I feel that I have to try fundraising again and hopefully it'll quickly go well. Thank you for any donations and / or shares; it'll be greatly appreciated!
#GivingTuesday #GivingTuesday2023 #GivingTwosday #GivingTwosday2023
August 11th, 2024
So, the recent luck I had with finances came along at the end of July when a company contacted me to tell me that I had just over $5,000 owed to me. It was through an insurance policy of my dad's and the company just found it. Also, his employer found that they owed me $6,000 through their insurance. That allowed me to catch up on bills that were falling behind since June, including rent. I caught up on that just as my court notice for eviction had been sent out, because the day after paying $3,100 in rent, the notice arrived. I still had to pay another $417.96 by certified check, which the larger amount should've been paid that way as well. But it went through on the resident online payment center. It doesn't take more than $3,200 at once. But both parts are paid now. I'll have 2 bills eliminated by September. Of course, the total amount of money I received, $11,200, won't be enough to get me comfortably through winter and I still only have a part-time job that pays $16 per hour, 15 hours a week. I'm hoping that a job I landed a 2nd interview with will be it, because I can't afford to wait any longer through more of the rejection or not hearing back pattern. That is why I'm keeping my fundraiser active. It was just deactivated for the 3rd time since starting it in October. But I hope it'll still have some success with donations as a cushion. Maybe I won't need it to reach the full goal after getting some money through my dad's policies. After catching up with rent and other bills, the remaining money likely won't last through to December; maybe not even November, unless my job income changes as well. There's been so much uncertainty with my job search, as with many others' job searches, that I'm trying to keep this going and see what happens. Thank you for any donations and / or shares; I greatly appreciate it!
July 20th, 2024
If I get evicted, I have nowhere to go and nowhere to keep my belongings after only being in my apartment since mid-January. Moving in a frigid cold week added to the difficulty in the process of living somewhere new, warm and safe. I owe $3,517.96 by August 1 on my rent alone and $500 is a late fee added onto $1,300 that I couldn't pay by July 12, the date I would've had to pay that amount by to avoid the eviction process I'm now in. My leasing agent asked if I could split my paycheck to pay something, but I only earn about $240 a week and I'm worried about 3 other bills in particular (car insurance for $151 which is already late again as of 7/17, phone service for $196 due 7/24, internet for $187 due no later than 8/5 to avoid service disruption), which will impact my employment / job search. I also don't have enough money left to fill up my car's gas tank and it's at 1/4 tank, which won't last until my next paycheck. Food is very low and I don't get more food stamps until August 5. I'm looking for a 2nd part-time job or a full-time job for better pay, but even if I found something and was hired this coming Monday, I might not get paid in time and I likely won't find a job that pays enough to cover all bills due by August 1. I would need at least $5,000 by then to be in the clear with them. Any donations and shares are greatly appreciated! I hope to raise at least $5,000 immediately to buy me some time in my job search. Thank you for any help!
July 14th, 2024
Please help!
8+ months in with my GiveSendGo.
Now, I'm officially late for $1,300 of my July rent and as a result, will have to go to court, possibly missing a day from my part-time job ($16 per hour / 15 hours a week) and the court process adds another $500 fee, which i don't have. I struggled to pay $700 earlier this month and even that was paid in several smaller increments.
If I don't get help soon, I won't have money for my August rent due on the 1st, $1,750 (2-bedroom for extra storage, w/d in unit, dishwasher). I don't qualify for rent assistance from my local county because my rent is too high for them to help; it's too above my means. They want to me move to a cheaper apartment, yet I am in a lease until April 2025. A cheaper apartment could be smaller, which will mean still needing a storage unit somewhere and I'm trying to empty one out to eliminate that bill. I also don't want to go back to living without a working w/d and no dishwasher, as the house I moved from had no working w/d for years and ever had a dishwasher. More importantly, a cheaper apartment could be in a bad area and I don't want to live where I feel unsafe or at least have to worry about car vandalism (such as tire damage beyond being safe to drive and my having to pay for new ones, which I can't afford). So, lease or no lease, I'm not moving to a cheaper apartment and taking bigger losses.
I have no money to pay my car insurance, $150 due 7/17 (part of that is from June). An agent actually asked me if I needed to drive. Because if not, the suggestion was to just drop my insurance for one less bill. But I need to drive. I mean, how much more do I have to lose? I lost both parents. Now I'm supposed to lose the conveniences in my apartment, lose driving and even employment options as a result. I won't be able to afford public transportation on a daily and multiple-times-a-day basis. When I have food stamps for groceries, I don't want to have to struggle with them on a bus. My being able to drive is important to me. While I mention food stamps, I also can't afford basic non-food items that are running low.
I still owe about $200 to my phone service, also part of which is from June. My cable / internet is getting put on a payment plan because I couldn't pay $486, which also carried over from my June balance. The new monthly amount on the payment plan will be the regular $216 + $40-50 to stretch out what I couldn't pay.
If my car insurance drops me, I can't drive to my part-time job or to whatever interviews I get. I use my phone for multiple functions at my job and need to communicate in general and for further job searching. If I lose my internet connection, I can't easily apply to a high number of jobs. Losing these 3 services will negatively impact my ability to be employed. I have been struggling as it is with my job search; applying to so many jobs and if I get any interviews at all, it's a very rare occasion. Mostly, it's just rejections without interviews. And I know that's not just me; it's many job seekers. Yet that only strengthens my point regarding how my job search is going and is why I'm in this financial hardship.
It's been almost 13 months since my Veteran dad died and I still haven't had his funeral home services yet, as I'm unable to afford $6,000. The VA doesn't cover that part, but covers a Veteran's burial part of the services 100%.
To whoever finds and reads this, any of my updates to this point, thank you for any help; shares and / or donations, which also helps keeps this active for further help!
July 4th, 2024
I only have about $250 left to my name and that's only after my part-time pay for this week. My bills for July are:
$1,200 - (remaining July rent due by 7/12 to avoid court and a $500 fee from that; then August is the regular amount of $1,750)
$681.20 - energy / electric (this amount carried over from the house I sold and moved from in mid-January, but I might still be responsible for the service at the house)
$151.52 - car insurance (I couldn't pay the June bill)
$486.43 - cable / internet (struggling to get this down to normal amounts)
$218.01 - phone service (had to postpone my June payment and split it in half; now July is added to it)
$3,407.22 - the balance on an emergency card (used to pay the other bills when bank accounts were too low and I didn't want to run out of money in them to pay rent; also used this card for groceries between food stamps, non-food necessities, gas for my car. Now, I don't even have this as a backup to pay bills or cover anything...the credit limit is $3,450. Bills are behind since June; it became pay at least some of my rent or pay the other bills)
I would like to be able to catch up on the bills and pay off the emergency card with a huge amount, around $2,000. But without help, I can't do anything and am at risk of losing my apartment with nowhere to go and won't have a way to communicate if my internet and phone bills aren't caught up this month. That will hurt my job search and ability to talk to companies that I have bills with to work out any payment plans. And if my car insurance gets canceled, I can't get to my job or to any interviews. I won't be able to afford public transportation. So, all of this could cost me employment.
If I could raise the total of the above expenses, $6,487.16, or rounded to $6,500 for now, that would help me so much for July and I'd greatly appreciate it! This would buy me some time going into August bills, besides the rent included above for that month, because I definitely don't want to worry for another month in a row about losing my apartment. I've struggled so much with this fundraiser for just over 8 months now and although I have a job, it's part-time and I definitely can't cover my expenses with the pay. I like the job for everything else though, so I'm hoping to find a 2nd job with flex hours in order to keep what I have now. Then, maybe the rest of my fundraiser goal can be raised in case I'm still looking for a 2nd job. But I'm trying to do things that aren't just my fundraiser. I simply need this because my current pay isn't enough and I don't know when a 2nd job will come along and then, I'd have to wait a week or so for the 1st pay from that. It would be too late to help cover my immediate financial needs. Anyway, thank you for any donations and / or shares!
June 25th, 2024
I am down to just under $400 to my name, getting one more paycheck (out of two, temporarily full-time to help cover for someone) for full-time hours; it'll be around $440 and I'll only be able to pay $250 toward my rent from that. This past weekend, using the 1st of my full-time paychecks, I put $250 toward my rent and as of now, still owe $1,380 for July. I used the rest of that check for $35 gas and $75 groceries, which wasn't enough and I couldn't buy any non-food items that are running low. That check was basically gone between a small rent payment, gas and limited groceries. My 2nd and last full-time check coming up this week will be no different. I go back to part-time hours this week, so it will be impossible to come up with the rest of my rent, buy more food (food stamps have only $17 left for June) and to buy the non-food items I need. I'm still looking for a 2nd job and hopefully, it'll be flex hours through a legit company that understands about a prior job schedule commitment. Maybe even remote, but doesn't have to be. So, I'm not trying to rely solely on a fundraiser; it's just a cushion. But something has to work out because I've had this fundraiser for 8 months; no luck with that or more job-related income. I'm really struggling and have posted previous updates expressing how bad things are getting for me. I need help to finally come through with this fundraiser in the meantime. It could take a while to find an adequate 2nd job and I don't have that time. Paying for rent, paying other bills, buying food and non-food items and getting gas are all becoming impossible to cover now and if things stay the same, August will be worse. I likely won't be able to stay in my apartment anymore and I have nowhere else to go. I will be homeless. So, please help; it will greatly appreciated after everything I have been through this past year. In a couple of days, it'll be a year since my Veteran dad died. Thank you for any help; shares and or donations!
June 16th, 2024
I'm down to my last $720 and after a couple of upcoming utility bill payments, that will drop down to just over $500. My current job, with part-time hours, isn't going to sustain me on its own and I haven't found a legit 2nd job, which I've been hoping to find one with flex hours that won't interfere with my part-time job. Having just started this job in early May, it's too soon for me to leave for something else altogether. It wouldn't be reliable to do so, which is why whatever else I find has to be flex hours and understanding that I have current work hours as a priority. With how bad things are getting financially, I thought I'd add this update. I keep hoping that this fundraiser will finally start working after 8 months since setting it up. And just to state briefly what my goal would cover if this reaches $30,000, $20,000 would allow me to pay the rest of my apartment lease ahead through April 2025. The remaining $10,000 would help with my other regular bills and expenses. Right now, I can't afford to buy any household items when they run low. I'm out of food stamps for June. I'll be lucky if I can fill up my car's gas tank to get to my job. I'm worried about being homeless before August. I don't have any other place to go. So, I really need for this fundraiser to turn around somehow. If it could reach enough people who can donate $5-20 each, it would make a huge difference. It'd be greatly appreciated! Thanks!
May 9th, 2024
I just started a new part-time job this week; took the offer because I'm running out of money, only 1 month's worth of rent is left and also won't be able to cover other bills. If I lose my apartment, I have nowhere else to go. I'll actually also need to find a 2nd job, hopefully something that is remote to save on gas and either part-time or full-time as long as it won't interfere with my new job. When I just logged into this, it must've been deactivated for the 2nd time, but I didn't think that would happen since I've been posting updates. So, I checked for an email about my fundraiser and found one from May 1st, stating that it was unpublished due to donation inactivity. I'm not sure why this has been struggling, but it's struggling during the worst time period in my life after the sudden death of my dad and having so many emails in which I've been turned down for every job I've applied for to prevent my situation from getting worse. I'm still worried about whether or not I'll get through all of this. Considering how long it took before I finally found the job I have now, it could take a while to land a 2nd job. So, I hope that this will start picking up, because I've had this fundraiser for almost 7 months after completely running out of money in mid-October and couldn't pay any bills for 2 months afterward. That never happened to me before and I'm not in the clear yet, which is why I'm keeping this fundraiser going as a cushion. I'm basically at the point of paying that one more month's rent, but then not being able to pay my phone and internet bills. My job requires me to use my phone and in order to apply to a large number of jobs, I need the internet. And of course, paying for groceries is difficult between monthly $291 in food stamps (not enough). My wish is for this fundraiser to finally reach enough people so that even $5-20 per person would help to quickly reach the financial goal. I need help somehow and appreciate any donations and shares. Thank you!
April 28th, 2024
I found out about a couple of possible jobs late this past week and will likely hear something for sure either way on Monday. Both are office work, which I've done before and are through staffing agencies; I've also worked with staffing agencies before, although I hadn't worked with either of these yet. Anyway, even if I get one of them, I still need to keep this fundraiser going. Plus, if I don't get either job, I don't know how quickly something else will come up, whether through the staffing agencies or elsewhere. One of my biggest concerns, besides my apartment rent, is having my car repairs taken care of before winter. It'll probably take a while until I can get approved for a loan for a newer used car. So, I need issues with my car resolved soon. I hope anyone will help with this fundraiser; it would help me out of this bind, especially depending on job outcomes. Thanks again for any shares and / or donations!
April 24th, 2024
Well, I have less than 2 months' worth of money for rent and all of my other bills; that's less than $4,000. I still owe $20,000 over a span of the next year until the lease is up. I have nowhere else to go if money runs out before I find a decent-paying job and / or this fundraiser succeeds as a cushion in the meantime. I found out early this month that my county in southeastern Pennsylvania currently has no funding for rent assistance. Job-wise, I'm stuck in a pattern of applying, no interviews and email rejections. I have a phone interview soon; it is the first interview I've had since the start of 2024 and only 2 all last year. Not great odds of getting hired. As a result of these factors, I also still can't $3,000 worth of repairs done on my car. Please help; any help, shares and / or donations is greatly appreciated, as this fundraiser has been going on for 6 months and is at a standstill despite posting it on multiple social media platforms.
March 31st, 2024
I decided to increase my goal on here for several reasons. My job search is taking longer than expected; I'm getting constant email job rejections (without even getting interviews) and have applied to a wide variety of listings. The settlement from my parents' house was between $23,000 and $24,000; my apartment lease runs until April 2025 and is around $1,700 a month. It's a lot to pay. However, after living in a house that had no working washer and dryer for years and in my last few months there, I ran out of money; I couldn't even withdraw cash to make change for a laundromat, would go to a family friend's house to do laundry, I wanted a w/d in unit. Also, the house never had a dishwasher and my apartment has one. I'm also in a convenient location to multiple errands. Anyway, what's left of the settlement money won't stretch to April 2025. Possibly not even into the fall season and I have nowhere else to go. I'm facing homelessness because I just get turned down for every job I apply to and this is despite having a great deal of skills, in particular for the communication and media industry. It's a matter of not enough related work experience; I apply to other jobs such as entry level marketing, entry level car sales, remote / hybrid customer service (I don't have any call center experience for that). I have skills for administrative assistant work, yet never held that kind of title. It's actually the first field of work I trained for after high school. I've struggled to get past a long job gap that only continues with more rejections. I fear ending up homeless because of this issue.
Also, my car is in need of multiple repairs: brake work, new visors, the area around the driver side mirror cracked apart and prevents me from controlling that mirror. My rear window is coming loose around the bottom and one t-top is leaking. These are the most pressing repairs. Unfortunately, with my financial situation, I can't afford to get them taken care of and can't get approved for a loan for a new (used car) without a steady income. I also wouldn't be able take on such a large bill on top of my apartment lease. So, I'm stuck with my car as it is at the moment and I don't want it to have any other problems that may hinder getting to interviews and even a job whenever I get hired.
Along with trying to fundraise as a cushion until my job search turns up something, I've also been trying to make money with my photography on several sites: CafePress, Fine Art America (since the winter before my dad passed away) and just recently joined Shutterstock. However, there haven't been any sales.
I hope that things will turn around soon, whether with my job search / photo site sales or my fundraiser or any combo of these efforts. I'm not in a good situation at all and need a lot of help. I can't sleep well, worried what will happen and my safety if I end up on the streets, as a result of running out of money before getting hired. Whatever anyone can do, sharing and / or donating, I greatly appreciate it! Thank you!
February 1st, 2024
I lowered my fundraiser goal total to $10,000 due to settlement covering debts such as my parents' mortgage, taxes and liens on the house. That money didn't go to me; it went to those debts. The only money I received included two cash advances; one was in December for $5,000 to help me catch up on all of my bills that I was behind on from October to December. One of them was behind since September. So, that money was all used up. Then, I got another cash advance for $2,000; most of this went to my 1st month's rent at an apartment I moved to and the security deposit. I'm still looking for a job and it's not going well; fundraising is only a cushion to help get me by since I'm very low on money and bills are piling up again. Most of them are due in the 1st half of every month. Thank you everyone in advance for any help; donations and / or shares!
December 9th, 2023
As of yesterday, I found out that it's become urgent that I leave the house. I'm still in a job search and have to find an apartment in my local area or somewhat beyond, depending on where I find decent price ranges. It's been one problem after another, even going back to shortly after my mom passed away just over 5 years ago. Then, multiple problems my dad encountered. Since he passed away, too much has been piling up for me to handle. Nearby relatives on my dad's side of the family, along with a few neighbors, are helping in various ways...bringing food, driving me to food banks (I drive, but have been short on money for gas). They've also given me extra paper products while I've been short on money. An uncle on my mom's side sent $100 outside of the fundraiser and brought some food and cookware. A friend's dad also sent $100 via Western Union. I'm just worried about covering the sudden added expense of apartment rent until I get hired, which hopefully happens soon. Any help with my fundraiser in the meantime is greatly appreciated!
November 28th, 2023
#GivingTuesday #GivingTuesday2023 #GivingTwosday #GivingTwosday2023
November 28th, 2023
I'll be updating the bill amounts and when they're due; having trouble with saving a correction to the original Verizon info, which is supposed to be a 130 due date instead of 130, yet the changes won't save. I may just use updates for what my bills and due dates are, which will help as activity to keep my campaign active.
November 28th, 2023
I've shared my GiveSendGo link on several social media platforms, a few times in some cases, but still no luck and my bills are doubling up plus late fees. I'm at risk of losing the house and having nowhere to go in winter. The house has no main heater, so I'm freezing. This was one of the many household issues I tried to raise money for my Veteran Dad on another fundraising platform over the past 2 years and only raised a few hundred dollars in that time. He passed away due to a cardiac arrest in June of this year, what with all the financial stress he was under. Please help! My birthday is coming up and I just want to be happy, but with my financial stress, now, I'm afraid what will happen to me. There have been views on my fundraiser posts on social media, yet no response. I'm trying to find a job, trying to sell photography online; no luck with those. I have no money; checking account in the negatives, no savings. Please help! Any help is greatly appreciated!
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