I look high and low for help with my bills and still know help. If you know of anyone are a service that my be able to help let me know. The ownly way to move forward is to get all your old bills out the way and just maybe than me and my four kids can findly have our own place to call home.
161773
The Government has created a portal to help individuals who need benefits because of life events. Visit http://www.govbenefits.gov\n\nUse the drop down button\nDO YOU NEED BENEFITS BECAUSE OF A LIFE EVENT?\nChoose the life situation best applicable to you and then see if you qualify for the available government assistance.\n\nForget grant money - there's hardly any money for individuals. You can go to the Catalog of Federal Domestic Assistance (CFDA) http://www.cfda.gov and Grants.gov http://www.grants.gov - these are two sites created by the federal government to provide transparency and information on grants. Browse through the listings and see if you can find any grant that would support your purposes.\n\nEven if you buy books on "how to get grants" or list that supposedly has information on grants -- all of them are mere rehash of what CFDA has, albeit packaged differently.\n\nNote though that these grants generally support non-profit organizations, intermediary lending institutions, and state and local governments. Most of the federal grants are given to specific target groups with specific requirements (e.g. minority business owners involved in transportation related contracts emanating from DOT - Grant#20.905 Disadvantaged Business Enterprises Short Term Lending Program. Individuals especially for personal purposes are not eligible for federal grants. \n\nGrants are also often given to non profit groups or organizations involved in training or other similar activities (grant 59.043 Women's Business Ownership Assistance that are given to those who will create women's business center that will train women entrepreneurs \n\nhttp://www.cfda.gov\nhttp://www.grants.gov\nhttp://gtionline.fdncenter.org\nhttp://www.powerhomebiz.com/vol66/grants.htm\nhttp://www.sba.gov/expanding/grants.html
78855
I know that the Salvation Army helps with some utilities, you might want to give your local office a call.
357896
Until very recently I worked 50-60 hours/week at what was considered a decent hourly rate, yet barely managed to get all of my monthly bills paid.  Let me assure you I am not one of those people who buys the latest anything.  I don't eat out, get my hair/nails done, have expensive hobbies or vices.  It was the mortgage, utility bills (no cell phone), car insurance, health insurance, etc.  The only time my credit cards came out was for emergencies (car repairs, animal to the vet, etc.)  There was just simply nothing left at the end of the month to save.  I was literally one paycheck away from going under.  Finally, I couldn't take the stress anymore.  I sold my house for more than twice what I owed on it and moved to another state where things are not as expensive.  Paid cash for a house.  Paid off my credit cards and burned them in the fireplace.  Started my own business.  I am now, for the first time in my life at age 40, in a position to start saving.  If I had stayed in my old situation the rising cost of fuel and groceries alone would have buried me by now.
573724
I don't think you'll find much help here, see the responses already, I wish you luck.  I would try to raise the money locally if you can.
491640
Speak to the Citizens' Advice Bureau about FREE debt advice. There are some other charities that will offer you free advice about the best/quickest way to repay what you owe but I am unaware of any organisation that will administer your debt for you or give you a consolidation loan without making some sort of charge. \n\nCAB will encourage you to look at what all your income and outgoings are and devise a strategy with you, not for you, as to how you are to pay it all back. Meanwhile, write a holding letter to your creditors telling them that you are seeking independent advice about the debt. It will only serve to stall them temporarily. \n\nWork out your priority and non priority debts. Priority debts are ones which will affect your home or your liberty and include rent/mortgage, water, gas and electric and any other loan secured against your property. Non-payment of council tax can lead to imprisonment and so is a priority debt. All other debts are non-priority. It is vital that these are paid first.\n\nDraw up an honest list of what comes in to your household and what goes out and include everything, including newspaper money and pocket money for the kids etc. Don't try to hide an amount under the heading 'Housekeeping'. Debt companies know what to expect to see under all the headings based on reasonable amounts according to your home circumstances and trying to hide amounts under ambiguous headings won't work. \n\nYou then need to write again to your creditors and include the income and expenditure form. They should then come to an agreement with you although they are not obliged to. If you go to the CAB with this information, they can help you work out payment plans for each creditor and give you a standard letter to send. It may also carry more weight with the creditors if they know CAB are involved. \n\nCreditors are not obliged to accept your suggested payment plans and will be looking for some commitment from you that you are determined to clear your debt. Can you return the cards to the company, cut up? Can you sell some of your assets? Can you take on another part-time job specifically to pay them off? Could you rent a room out in your house? \n\nThere are other options like IVAs or bankruptcy depending on how much debt you are in but these have as many cons as they do pros and are not the answer for everyone, particularly if you own a house with equity. You could speak to CAB about these options but think carefully before going down these routes. \n\nYou are right to think about alternatives to taking out more debt. There are obvious problems if you cannot keep up repayments on bigger consolidation debts especially if they are secured against your home. I don't know your own circumstances, of course, but maybe going through the debt procedures above will concentrate your mind on how you managed to get into debt in the first place, the pain of being in debt and how hard it was to get out of it which will prevent you from ever going down that road again. I know that I learned that same lesson the hard way and am steering well clear of ever going there ever again. Consolidation seems like easier options but will anyone ever learn to change their behaviour or is it just a quick fix to allow the same thing to carry on all over again? \n\nAnyway, good luck. It seems like a pit you can never climb out of but it will get easier. Promise!
163442
If you can afford the internet you should have no problem paying a bill. If your that far in debt cut back on some things like the interent and other things we don't need for everyday life......K
382811
If possible pay more than the min due.  If you pay the min due it will be like that forever and you will pay tons in finance charges.  To you have any assets you can use?  if you have a  house take out a line of equity on your house to pay off your bills.  your payments wont go up much for 4,000.  this will help your credit to clear all those credit cards.
43925
I provided a link for the free credit report from the government. As for your medical bills. Call the doctors and explain to them your situtation. Some doctors are known to reduce their bill and sometime even write them off. If your bills are with a hospital, call them and try to work off a payment plan. The best way to do this is to sit down and write a budget for the month. Make sure you list your home, food, and utilities first. Next, car and gas payments. Then other bills, like daycare. Make sure you have all the money going towards something. Just be honest with them and tell them you want to do the right thing and pay them. They should be able to work something out with you.
396719
I know someone that went through the same thing.  She has (4) children and stays home. She started her own home based business.  That keeps her busy, makes excellent money and has time for her and her family.  Have a look at this website.  www.opportunity4more.com.  The couple in the picture is the lady I am speaking about.  She would be great for you to contact and speak with.  She told me that she is much better now with staying home since she started her own home based business.  She  contributes ( a lot)  to the house hold income, feels good about what she is doing, has time for her kids and she also had time to do some personal development.  She has gone through welath creation and personal development courses that she highly recommends to someone like yourself.  Let me tell you she has helped me with my business and my lifestyle.  Take a look and see.
520521
I guess I might start by both of us setting down and take a look at what is going out in bill's 1st for the month.\n Then look at what is left over after bill's food gas for work --Then add up your pay coming into the home each week then add that up to see what you have now deducted the over all bill's from that ---That is what you have left to play with or save.Now this is where each of you need to see what each of you may spend with whats left over.And if there is not enough to shop that week or every 2 weeks just don't do it !\nIt takes a lot of disciplined as you know since you are the Strict Budget one.\nBut yes I would set down in a loving way and talk it out.\nYou sound like a sweet husband.trying to fix something before it gets out of hand.
632069
I was in the same situation but I'm pretty much out of debt because I consolidated my credit cards.  I'm in a program with Ameri-debt.  If you need the phone number contact me.  They have actually helped me alot and I've gotten a lot of my family members to join and they have felt alot of relief.  Hope I helped.
145948
C you briefly tell us where do you live? it's hard to tell you where you can get help, if we don't know where do you live.\n\nIf you live in US:\nhttp://www.troubledwith.com/\ntell them your low income situation, and see what they can arrange for you
459602
ask your family and friends to help out\n\nHopefully you have their numbers
555102
First get your act together. Talk to the people you owe oney to and ask for some grace. Is unemployment an option till you can get a job. Do you have freinds and family that can watch your kids till you get on your feet. \n\nIs there someone you can stay eith till your able to move out on your own?\nYou can do it!
44597
I HIGHLY recommend the sites listed below for help and advice. Take it one day at a time. Start with a budget.Eliminate anything that is not a neccessity. Pay what you can. Start with your neccessities first. home, auto, health, etc. With anything left over start paying the minimum on unsecured debt. If you have anything left over pay more than the minimum on the highest interest debt. When that is complete then roll those payments into the next highest etc. Good Luck!
153795
I am currently able to pay my bills, however I lived many years under the poverty level while both myself and my husband worked fulltime jobs. I understand completely the horrid feeling of not having enough money to put food on the table of make a rent payment some months. Most months I would have to "borrow" from my father. I did not have the ability to pay my father back, so I now have been "gifted" those amounts. I was lucky to have a father who could help out in such desperate times of need. However, we also did not have health insurance, and my husband became disabled. We racked up lots of medical bills we just could not pay at that time. \n\nThe bill collectors began calling at all hours of the day and night. They would leave harrassing phone calls on the anwering system. This was before there was law stopping such behaviors. They would say such horridly hurtfull and plain mean statements, calling us deadbeats, irresponsible, theives, corrupt people who did not think we had the same responsibility to pay our debts others in soceity did. That we were bad people and lazy, to get jobs and be responsible adults who did not take advantage of others and deprive them of their rightfull payments. That saying we need to feed and house our children was not an excuse as those we were not paying had families too, and by not paying we were taking the food and housing away from their families. (which was not true as these folks make massive amount of money, but that is not a reason to not pay, they still deserve payment for services rendered like anyone else). Basically these phone calls became so harrassing I had to unplug my phone.\n\nI think you should not answer these calls. You already know your financial condition far better than those bill collectors. They do not care about you or your family, they do not give a darn about whether or not your children will still be able to eat if you bow to their rediculous demands. So, stop answering the phone and trying to explain your situation. They do not care and will only argue with you and basically make your life much more stressfull than it is now. \n\nThere are thirty million families in America currently living under the poverty level. The vast majority of these families have two working parents who are both receiving minimum wage for their labor. Most of these families do not have health insurance and are an illness or injury away from losing everything. \n\nThere is such a misconception of our working poor. Many think it is a simple matter of going out and finding a better paying job, or obtaining more education and them obtaining a higher paying job with benifits. Many think these people are willing to stay in the state they are currently in due to lack of drive to acheive more. \n\nThe truth of the matter is this: Currently a family of two fulltime employed parents working minimum wage jobs spend one fith of their income on just the gas they need in their car each month. A study which was aired recently on an Operah show demonstrated that out of a weeks pay it takes working one full day to pay for the weekly gas for the one car owned. If they are lucky enough to own a car. That is one fith of earnings. \n\nCurrently, we are not suppose to pay more than one third of our monthly income on the major expense of rent and utilities, yet it requires one fith of income to put gas in the family car! \n\nFederal minimum wage is currently $5.15. With both parents working 40 hour weeks that is a gross income of $1,468.00 monthly! Currently rent alone in my area is an average $900.00. That is 61% of the family monthly income. This figuare does not include utilities, food, clothing or medical expreses, or the gas and maintanence for the car! \n\nMany families are forced into sharing living quarters. They have to either move in with family or share the rent with another family just to make it. In a society which prizes self suffencency, we do not have a system in place whic
288626
I have been married for just over 9 years, together for 11 and have 4 children. We faced similar trials recently, we lost our house almost the car and were behind on a lot of bills. Divorce was never an issue, it will not solve any of those problems and if you agree on everything than you agree on that also. Sometimes you just have to lose everything to see what is really important... your family and their well being. You can always rent, get extent ions on the bills if you ask for help. It has been just about 2 years since everything seemed to go wrong for us, financially, but we are stronger and more aware of our money, emotions and the important stuff that always seemed to get lost before. It does get better. Keep your head up and stick it out.