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qnr

(16,190 posts)
Sat Jun 4, 2016, 01:51 PM Jun 2016

GoFundMe to feed family and pets and save house.

OK, they're wanting $2,295 by the 15th (plus the $1,095 I'm paying today.)

I'm Terry. I'm a disabled vet living on a fixed income. I'm considered unemployable and not able to get a job. Along with myself, the family consists of my wife, two sons, a dog, a cat, and two rabbits.

I had some large medical (that were not covered by the VA or CHAMPVA) and other bills recently, and because of those my budget was totally shot. I ended up missing my mortgage payment in March. In an attempt to make back the money, I made some investments using April's benefits. I thought I was being safe. I invested in two different things, both of which I had researched. When I was getting ready to withdraw my money to pay the mortgage for March and April, both investments scammed out within a day of each other. I've been using my banks overdraft protection to pay the mortgage, bills, and to buy food for the family and pets. With the $33 per overdraft charge, that really adds up.

It's the 4th of June, and because of the previous overdrafts being taken out of my check on the 1st, I only had about $700 to work with for the whole month. I had to use the overdraft protection to pay the mortgage this month, so I'm now $1,300 in the red and don't get any money until July 1st. $1,300 is beyond the limit, which means I can't even use the overdraft protection this month to feed the family.

The money will be used to buy food for the family and pets, and pay the utilities, which are coming up this week. I normally handle the bills well every month, this is just a spiral caused by the huge medical bills. If I can get a positive balance into my account, I can turn this around. Any donations, not matter how small, or any shares would be appreciated.

The campaign can be found at: https://www.gofundme.com/kqzfjba4

52 replies = new reply since forum marked as read
Highlight: NoneDon't highlight anything 5 newestHighlight 5 most recent replies
GoFundMe to feed family and pets and save house. (Original Post) qnr Jun 2016 OP
I will put in a bit later today. onecaliberal Jun 2016 #1
Thank you so much. n/t qnr Jun 2016 #2
I'm sure you've already looked into all possible resources, but just in case.... renate Jun 2016 #3
Thank you for the links. qnr Jun 2016 #5
Do you still sell your free thought items? I bought a tee shirt - very high quality Arazi Jun 2016 #4
Yes, I do - and thanks :D qnr Jun 2016 #6
Donated a little. Wish it could be more. nt Mojorabbit Jun 2016 #7
Thank you very much. qnr Jun 2016 #8
Done. Maynar Jun 2016 #9
Thank you very much. qnr Jun 2016 #10
One bump for the night crew. qnr Jun 2016 #11
Kick, kick, kick! Heidi Jun 2016 #12
Thank you Heidi! n/t qnr Jun 2016 #14
Monday kick! Heidi Jun 2016 #17
Appreciated! n.t. qnr Jun 2016 #20
kick tenderfoot Jun 2016 #13
Thank you for the kick tenderfoot. n/t qnr Jun 2016 #15
You are welcome... tenderfoot Jun 2016 #16
PM Kick! nt riderinthestorm Jun 2016 #18
Thanks - DUers are awesome. I'm up to about 19% now! n/t qnr Jun 2016 #19
Your wife should handle the family finances & bank account. You should tell her about this before Sunlei Jun 2016 #21
+100. There has to be a better way than roody Jun 2016 #22
I agree, overdrafts are certainly not the answer. qnr Jun 2016 #24
Yeah, we generally work on most of things together. Finances are not normally a problem. qnr Jun 2016 #23
If the home is in her name to, please tell her the bank started the 'late letters'. Sunlei Jun 2016 #25
Thanks - there are things that we're already discussing. qnr Jun 2016 #26
KnR nt Melurkyoulongtime Jun 2016 #27
K roody Jun 2016 #28
TU n/t qnr Jun 2016 #29
You're most welcome Melurkyoulongtime Jun 2016 #33
Totally understandable. I normally try to give small amounts to various qnr Jun 2016 #34
Thanks for the kick :D n/t qnr Jun 2016 #30
I want to get your personal relationship with roody Jun 2016 #31
Hi roody. qnr Jun 2016 #32
Kicking because a couple of people asked to be reminded. n/t qnr Jun 2016 #35
AM kick Arazi Jun 2016 #36
Thank you for the kick Arazi. n/t qnr Jun 2016 #37
Kick! Tobin S. Jun 2016 #38
Thank you for the kick Tobin S :D n/t qnr Jun 2016 #39
Just another kick n/t qnr Jun 2016 #40
Hoping it'll help if I kick this thread back up, too... Rhiannon12866 Jul 2016 #41
Thank you so much your for the help :D - I keep thinking things lke, qnr Jul 2016 #42
Just another weekend kick qnr Jul 2016 #43
Good luck. Kick. NaturalHigh Jul 2016 #44
Thank you qnr Jul 2016 #45
Sorry TuxedoKat Jul 2016 #46
Thank you so much! qnr Jul 2016 #47
If anyone can help, I just received a certified letter demanding qnr Jul 2016 #48
kick n/t qnr Aug 2016 #49
Kick. n/t qnr Aug 2016 #50
K&R for visibility. nt tblue37 Aug 2016 #51
Thank you :) n/t qnr Aug 2016 #52

renate

(13,776 posts)
3. I'm sure you've already looked into all possible resources, but just in case....
Sat Jun 4, 2016, 02:25 PM
Jun 2016

I've found a few links that might be helpful:

http://nvf.org/veteran-resources/
The National Veterans Foundation is at 1-888-777-4443; maybe they know about programs or sources of funding in your area.

http://www.benefits.va.gov/homeloans/documents/docs/foreclosure_avoidance_fact_sheet.pdf

http://www.usacares.org/?page_id=32
http://www.usacares.org/?page_id=136

The name of this website sounds a little suspicious, but they actually aren't selling anything and it looks like a genuinely helpful list:
http://www.needhelppayingbills.com/html/state_aid_and_assistance_progr.html

You can find a Community Action Association near you here: http://www.communityactionpartnership.com/index.php?option=com_spreadsheets&view=search&spreadsheet=cap&Itemid=188

I know you're not homeless yet, but (if you haven't already done so) you might try calling 1-877-424-3838 (the VA's line for homeless and at-risk veterans) to see what resources are available to you. There's also an online chat line (see the link on the left-hand side of this page: http://www.va.gov/homeless/housing.asp )

I wish you and your family the very best!

qnr

(16,190 posts)
6. Yes, I do - and thanks :D
Sat Jun 4, 2016, 02:40 PM
Jun 2016

I would actually prefer to earn the money to fix things by selling the shirts. However, sales have been exceptionally slow for the last two months. Even in the best of months, I only get about 13-18 sales, and I need to sell about 80 this month just to clear up the overdraft.

Just in case anyone was wondering, the shirts being referenced can be found here (there are different items in the two, which is why I list both):
http://witsendstore.com
http://thewitsend.etsy.com
and there is one other design that can be found here:
https://www.threadmeup.com/movements/oldtimereligion#/

qnr

(16,190 posts)
8. Thank you very much.
Sat Jun 4, 2016, 04:29 PM
Jun 2016

Seriously, every little bit helps. I assure you that once I'm back on my feet, I'll be back to helping others too.

Maynar

(769 posts)
9. Done.
Sat Jun 4, 2016, 05:05 PM
Jun 2016

And I don't really need another t-shirt, just put it all toward your goal.

Best of luck, Terry!

qnr

(16,190 posts)
11. One bump for the night crew.
Sat Jun 4, 2016, 10:03 PM
Jun 2016

Well, 'new' crew, darned time zones.

I promise I won't be kicking this too often.

Sunlei

(22,651 posts)
21. Your wife should handle the family finances & bank account. You should tell her about this before
Tue Jun 7, 2016, 06:44 AM
Jun 2016

before your home is foreclosed on.

She should contact the Veterans association and ask for help for your situation, especially if your sons are under 18.

qnr

(16,190 posts)
24. I agree, overdrafts are certainly not the answer.
Tue Jun 7, 2016, 11:06 AM
Jun 2016

However, there are issues here (which I really can't talk about) that keep me from adding additional burdens to her. We share pretty much everything - and this is a one-off thing.

qnr

(16,190 posts)
23. Yeah, we generally work on most of things together. Finances are not normally a problem.
Tue Jun 7, 2016, 11:02 AM
Jun 2016

Things are tight, but we always have enough, plus extra to give the kids treats. I do understand you, but I can't really explain my wife's situation at the moment.

Sunlei

(22,651 posts)
25. If the home is in her name to, please tell her the bank started the 'late letters'.
Tue Jun 7, 2016, 11:25 AM
Jun 2016

No need to explain her 'situation', good luck!

qnr

(16,190 posts)
26. Thanks - there are things that we're already discussing.
Tue Jun 7, 2016, 12:08 PM
Jun 2016

The late letters aren't really there at the moment, but mostly because I've been stretching to get the mortgage paid each month (hence the overdrafts). I do agree that this is something that we should share; however, I just happen to be aware of some things that others are not.

This really is a weird situation, I've had a job continuously since I was twelve, always managed finances well and paid all of my bills. Things have been tougher now that I'm on a fixed income. That's why I sell the hand screened tees and whatnot, to help bring in a little extra money in the months that I have sales.

Melurkyoulongtime

(136 posts)
33. You're most welcome
Thu Jun 9, 2016, 01:36 PM
Jun 2016

I just wish I wasn't in such dire straights myself or I'd donate to your cause. I hope it gets better for you and your family very, very soon!

qnr

(16,190 posts)
34. Totally understandable. I normally try to give small amounts to various
Thu Jun 9, 2016, 01:42 PM
Jun 2016

campaigns, and I know what it's like not being able to afford to. Hopefully, I will get all of this straightened out soon and be able to start contributing again.

qnr

(16,190 posts)
32. Hi roody.
Thu Jun 9, 2016, 11:32 AM
Jun 2016

Do you mean for a $50 donation, or you wanted to buy one? If it was to buy one, then you can get it (not sure which of the two you meant) here:

http://thewitsend.aliboom.com/Atheism_isnt_a_religion_tee/p3224001_13834952.aspx

http://thewitsend.aliboom.com/I_have_a_personal_relationship_with_reality_wAtheist_Symbol/p3224001_13838430.aspx

If it was for a donation, just leave me a note with which one you want - size, color, etc.

qnr

(16,190 posts)
42. Thank you so much your for the help :D - I keep thinking things lke,
Wed Jul 6, 2016, 08:55 AM
Jul 2016

"If I could just get fifty cents from each of my Twitter followers, It would take care of this." :/

TuxedoKat

(3,818 posts)
46. Sorry
Tue Jul 26, 2016, 10:54 AM
Jul 2016

I was supposed to donate yesterday but with working all day yesterday and rushing home to watch the convention I forgot! Just took care of it though. Hope you get some more donations today!!!

qnr

(16,190 posts)
48. If anyone can help, I just received a certified letter demanding
Sat Jul 30, 2016, 11:19 AM
Jul 2016

$2300 from the mortgage lender, that I have to get paid by mid-August.

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