First, I want to add a written Thank You to donor Sam S., because I'm not sure if the thank you tool worked and I had a delay getting back on here for a while. It was a greatly appreciated donation!

Regarding the delay, I was without power from 10/17 to 10/31; it was shut off and at first, I was told it had to do with a previous resident's bill and couldn't be told the amount for that reason. Just that it was a rather large amount. Then, it turned out to my bill of $480 carried over from the house I moved out of in mid-Jan. 2024. This bill had just been put on a $60 per month payment plan with one collection agency as of 8/5. I made payments of $81.20, then $60 for 9/5 and money got tight in October. I called them to let them know and a rep said to call when I could pay. At worst, I planned to pay $120 for 11/5. But my power was shut off on 10/17, so I paid my somewhat late October $60 installment that day, hoping it would resolve the issue. But the bill had been turned over to a different agency that wanted the full $480. I had hoped that they would allow the previous agency's payment plan because I was already short on money. I tried to split the amount with 2 bank accounts, but one only had $50 or so in it. I had no choice but to pay the full amount because I couldn't take it anymore and I wasn't sure it would go through. At some point, after paying the bill to that agency, a utility rep told me that the bill had been written off. I tried to question her because I had just paid it, wiping me out. Oddly, she suddenly started repeating that she couldn't hear me. Maybe so.

In the midst of that, my part-time office assistant job ended on 10/25. My boss said that it was due to not enough steady work for me to do. By the way, it just happened to be part-time; I'm 100% willing and actually prefer full-time hours in similar jobs. The role doesn't have to be office assistant. I've applied to administrative assistant, car sales (at dealerships that don't require previous experience in that), entry-level marketing or marketing assistant, inside / outside sales, in-home improvement sales, customer service rep, writing / editing / proofreading. Just to name a few. Often turned down without an interview. I know that happens to many other people, too.

Anyway, since that bill was paid off, here's where I stand financially:

All of my bank accounts (4 checking, 1 savings between 2 banks) are overdrawn slightly. I've been applying to jobs, getting more interviews lately, but not landing a job in the end. If I had an in-person interview before any of this is resolved with even a little bit of money, I wouldn't be able to make it. My gas tank is nearly empty. The first thing I have to do with any money is fill it up. I have no food here, other than a small snack bar, 3 hot dog rolls and pasta-roni boxes, but no milk and butter to use in cooking it. No meats, nothing else. I have part of one water bottle left, no other beverages.

I was in the hospital on 11/1, just for a few hours, due to feeling lightheaded and I had run out of food and didn't know when I'd eat again. I'm Diabetic as well. The paramedics said my blood sugar was high, even though I hadn't eaten much since around noon the day before. So, it was simply lower than what it would've otherwise been. My usual diet consists of less healthy items that are cheaper. My blood pressure was higher than usual. If I told everyone my full situation, I'm sure everyone would understand what's causing my high blood pressure and it's not just a stressful job search and lack of money to cover bills...or even the recent power shut-off. There are physically-demanding jobs I can't do and because I can do office work, it causes me to not qualify for disability.

But this is what I need immediate help with or I won't have a way to communicate and am risking eviction. And now, there's no sudden backup from deceased family insurance policies. What I found a few months ago, just in time to save my apartment going into August, is all there was to use. Since my bills got behind by then, I had to take up a huge chunk out of the total right away. What was left I calculated was barely going to stretch through November and the power shut-off made the remaining money go quicker.

Internet / Cable $534.79...Due 11/18...(already postponed)
Phone Service $108.03...Due 11/21...(no lateness with this amount)
Rent (remainder of Nov.) $580.79...Due 11/22...(part of this is a late fee)
Rent (Dec.) $1,750...Due 12/1
Rent (Jan.-Apr.) $7,000...(if I were able to pay ahead to the end of my lease)
Ambulance / Hospital $1,700...(my health insurance expired, but maybe I can get a payment plan)
Emergency Credit Card $3,448.12...Due 11/27...(the total balance isn't due in full, but was built up from emergency use when I couldn't pay bills or cover gas, non-food household items and groceries any other way; I have gotten food from food banks here and there, but at times, forgot what with everything going on and focusing on my job search when I wasn't running other errands and not running as low on food in some instances)
Car Repairs $? (Non-accident, just maintenance, but I don't even know where to start...I just have no room to get anything taken care of)

I was thinking of getting help just with the emergency credit card. Then I'd use it to cover my internet / cable, phone service and Nov. / Dec. rent amounts with it. However, I'm worried about still not being able to pay that down if I build it back up toward the limit again, which is $3,450.

Two friends from back in high school gave me a $50 gift card for Giant. Another high school friend's dad, who is a Veteran like mine, has offered to pay 3 months of my $70 car insurance. He also lent me $100 last year in October. That bill was falling behind going into November and nearing cancellation. A neighbor in my apartment complex bought me a bag of food.

Anyway, it would mean a great deal to me for anyone to donate even a little bit, like $20 and hopefully it reaches enough people quickly with shares as well. I'm fearing the idea of being homeless if I can't pay my December rent, on top of if I can't catch up on November. I also can't lose means of communication by internet and phone, which I also need for my job search. And I need to be able to fill my car's tank soon, before any other in-person interviews. I've been through so much...my mom's passing away in Sept. 2018, my dad's struggles since then I was still looking for jobs and in the meantime, tried fundraising to help. Then, he died of a heart attack and Diabetic complications in June 2023. Moving from the house to my apartment in a hurry, due to the condition of the house (freezing cold, including the water...major appliances that didn't work...the place was basically unlivable), was difficult and winter weather added to that. No time to shop around for cheaper places; one buyer said the house was about the collapse at any minute (there was a roof leak and even dripping into my old bedroom, so the person said the leak led to structural damage). I don't have anywhere else to go and don't want to lose my apartment where I'm safe and warm going into winter...plus with the holidays coming up and my birthday as well.

Thank you for any help...donations, shares! It's very much appreciated!

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