i think, at this point, if you know me you know that i am currently on approved medical leave without pay. i have been on medical leave since may 15th. i have had ZERO income since september 15th. if my application for extended disability thru my employer is approved, the earliest i would see a paycheck is january 25th.
this is what it is coming down to. i am going to need to ask for / accept financial assistance. i have applied for state assistance but my application is pending approval which they said could take about another 3 weeks for an decision. this is for the michigan food assitance program. according to my application results, they say i dont qualify for cash assistance. i have no idea why not.
i applied for forbearance on my mortgage. in 5 years i have never missed a payment. now i am 2 months behind. my application is still pending at my mortgage bank, also. and low and behold, while i am awaiting the bank to make a decision (which they said could take 30 - 60 days) i received a notice today that due to taxes and escrow my house payment went up about $20 per month. lovely.
however, i do have the house for sale. hopefully my first open house will be this weekend. i figure i am on medical leave and cant do anything really, so the days i dont have packed with dr appointments, i am just going to sit at the house with my "open house now! come on in!" sign in the yard. i know the market sucks right now, but my house is in a really great neighborhood and i only want what i owe on it. oh yeah, and i am trying to sell my appliances individually for some quick cash.
i was approved for disability assistance on a small personal loan that i have. it's only a couple thousand dollars, but the insurance on the loan agrees to pay the full amount of my monthly payments while i am on disability. they even kicked in retro payments. yes!
additionally, i have medical bills racking up and still have to eat and pay for home utilities. i keep the house lights off as much as possible. i keep the gas heat down and just layer my clothes and cuddle with my doggies.
i have never had a credit card. which may be a good thing, so that i'm not racking them up now. however, it also means that in my current urgent situation, i dont have anything to fall back on now that the cash i did have is gone.
anywhom, so, yes, i am to the point i need to ask for help. i have never done this. i have always been able to take care of myself and anyone else that might need it. this is new and very uncomfortable for me. but i dont have much other choice. i have had some offers from family / friends wanting to send me money. up until this point i have turned them all down.
long story short, i need help. if you are willing and able to loan me anything financially, PLEASE KNOW THAT I WILL PAY YOU BACK! --AND THAT I WOULD BE EXTREMELY APPRECIATIVE! i am going to keep a journal of anything i get and payback every single penny as soon as i can. however, please keep in mind that "as soon as i can" might not be for a couple of months. i'm still in the process of making payment arrangements with everything listed above... but i am hoping, if all goes well, to be moving in the right direction by february.
as it stands now, i need about $4,000. any small amount would be helpful.
words cant express my deepest gratitude for any help at all.
even the smallest amount is huge to me right now.
i love you all oodles and bunches!