Can anyone help me and my family?

Question

Me and my wife are fulltime workers with four kids. We are still having trouble making ends meet. We are now two months behind on all of our bills, our credit is shot and we cannot get any help from anywhere to catch up. Does anyone know of a way I can get some extra cash so we can feed our kids? I would appreciate any input anyone has!

Thank you!

Answer 1

Check into local food pantries (usually run by local churches) or salvation army. They can help with food and clothing. But don't rely on them completely. There are also some Yaahoo groups where people ask for help with food, clothing and bills. Freecycle .org is good as well. (people advertise things they want to give away for free)

Sit down and write out all your expenses. Bills, credit cards, gas to get to work, etc. Look at where you can cut corners and stick with it. list your bills that can be eventually paid off in order from lowest total owed to highest.

Pay anything additional you can to the lowest one. As you pay the bills off apply the amount you paid to it towards the next bill along with the usual payment it gets. It will seem slow at first but speed up rapidly over time. Soon you will be paying the equivelent of the total amount you used to pay to all the bills towards one or 2.

If you have a lot of bills and some have jacked up the interest rates once you get a couple paid off you can rethink your strategy and maybe pay the extra towards one of the higher interest bills rather than the lowest owed one. This takes a little longer but will save you money in the long run.

Find some extra work for a short time and put all the money towards a bill. Can any of the kids help earn a little? I saw a 12 year old on TV that made 1,200.00 this summer selling lemonade! His secret? He wears a suit!

When all is almost finished save a little "stash" and treat the family to a much deserved treat like dinner out or a movie with treats.

Good Luck!

Answer 2

i m in the same boat me and my wife. I just came home from a new job interviue and my wife put in a app. for a sceond job other then that freinds and famly can be big help even local places can help some churches have programes to help pay rent or morgae payments, some places give out food boxes and the last place would be wellfare if not for the cash but for the food stamps

Answer 3

Call your creditors and tell them the truth if your behind. Most will be understanding and allow a few lapses. Go talk to a credit counsellor, they are everywhere. Consolidate loans and bills to pay less each month. Ask for Government assistance. Try the credit counsellors first, they will know the best steps to take.

Answer 4

Pay the bills that need to be paid like rent, water, electric things that you need, everything else can wait, your children should not have to go hungry. let them take your tv furniture etc. you can live without them for awhile, soon you will get back on your feet. Good luck

Answer 5

there are people that help you citizen advice and if you get loan it will only lead to more trouble first of all your bills come to some kind of arrangement with them debt consolidation help you sort all yours and your wifes debt together just getting loans bring more trouble frist step is to make sure you ring all these bills up and sort them out have you not got any family who could help out untill you get your self sorted out good luck

Answer 6

go to your human service office in your county. You and your wife should go , be sure to take pay stubs, Call them first and they will tell you what to bring.What State you in?

Answer 7

get a bank loan or sell your car or anythign you have sell it on ebay.com