For those of you fortunate enough to have Love in your life...don't take it for granted. Love with all you have in each day is the last. Always leave your partner with loving words and a kiss...and greet each other the same way. Cuddle as you fall to sleep...even if you stray in the night. Set your alarm 5 minutes early so that you can cozy up before starting your day. Sit on the same side of the booth in restaurants. Hide love notes for the other to find. Smile at each other. Hold Hands. Hug. Kiss. Touch...even if it's just hands passing in the hall or your foot to his foot in the middle of the night as you reposition in your sleep. It's the little things that mean the most. Whisper goodnight, sweet dreams and kiss him even if he's already sleeping. For those of you fortunate enough to have Love in your life...don't take it for granted. ~Angela Pearl

03 November 2009

asking for help


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!
be well.

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