When You Need Money Who Do You Turn To First?

@KrauseHome (35514)
United States
July 4, 2011 3:57am CST
With being in the hospital last month, this means some of our Bills are not going to be able to be paid as we were expecting. This even means that we might have to make some phone calls and see if there are places that could help us out, or call the companies themselves explaining my situation and hope that some of them are understanding and willing to work something out. We just barely have enough to make the House payment not counting any of the other bills due right now. I am Trusting and believing God for good things though to come from this. We have thought of going to our Pastor, but sure they are limited on what they can help with. There could be help maybe for the Utilities, or they can work on payments at least for now, but have other bills that are due as well. We do not have family we can ask and no roommate right now to count on funds from, so just Faith in this situation will have to do for now. Does anyone have any thoughts or suggestions? What would you do or turn too if it was you? We both work so most Agencies will probably turn us down. ~~TINA~~
10 people like this
26 responses
@MsTickle (24994)
• Australia
13 Jul 11
There's no-one for me to ask. My family expect me to manage on my own...and I do. I don't go anywhere, or do anything...except to the doctor or shopping or when I do my volunteering work. I don't eat out, get takeaway or smoke or drink. My meagre amounts of income remain in the bank and I only use what I need. I save the rest for just such situations as you describe. I also budget and put aside money each week towards annual and monthly bills. Doing all this means I don't have to ask for help. A few years ago I did some work on my home and needed to borrow a rather large amount from the bank so I took out a mortgage on my home. The repayments are small and manageable as I pay each week. I have also allowed for fluctuations in interest rates by paying extra each week. Perhaps you could speak to your bank?
2 people like this
@KrauseHome (35514)
• United States
2 Mar 13
We have tried talking to the bank when it is an Emergency. Most of the time due to our Credit, etc. and being over extended, there is nothing they can do. So most of the time it is try and make ends meet, and then use a lot of our Income Tax refund each yr, to try and get a little more caught up with some of them as well.
1 person likes this
@MsTickle (24994)
• Australia
3 Mar 13
My suggestion, if you want one, would be to write a list of all your spending whether it be a weekly monthly or annual thing and take it from there. Cut out anything you don't need to spend on - this will stop you spending more than you earn. Then total each column (weekly, monthly and annual)Break it all down and bring it to a weekly figure and that is what you must bank each week to stay on top of things. If there is anything over, save some and I always add $10 a week for emergencies...it builds up fast and becomes a nest egg. I don't know how people manage without managing their income and expenditure. For me, managing my money is a fact of life.
1 person likes this
@KrauseHome (35514)
• United States
12 Mar 13
These are some great suggestions. I really am trying to figure out some good ways to get everything back on track to where we can actually do this. I am keeping faithful that things are going to get better.
1 person likes this
• United States
5 Jul 11
Hi Tina Sorry to hear with all going bad with your health your bills have suffered. Sadly for my boyfriend and I we do not have anyone here who can help and or be willing to. We strictly rely on each other and prayers and always hope that at minimal we can get by. I do hope your church would be willing to help, at least with food if you needed it. We do not have family here and therefore can't help and most we do have elsewhere are in such predicaments too. Do you have family who can help? At least until you get back up on your feet again. I do hope things get easier as at the moment it seems there is so much going on and you can use some help.
2 people like this
@AmbiePam (50256)
• United States
5 Jul 11
Oh yes, food banks! I forgot about them. I used to know I'd be able to ask my parents, but they have so many problems themselves, I am loathe to do it now.
1 person likes this
• United States
5 Jul 11
Yeah a lot of people are going through some really hard times that it is hard to turn to anyone as so many themselves are in need. I do hope things get better for your parents too. I am one out of work for over a year and struggling daily.
1 person likes this
@KrauseHome (35514)
• United States
14 Aug 11
Well our church was able to help with 1/2 the utility bill which was nice. We have never confronted the Church about food. We usually have relied on Food Banks and then get a couple of things as we can from the store as well. As for family, My mom passed on almost 4 yrs. ago and I either never hear from most of my family, or my sister is not much better off than ours. My husband could ask his but I doubt anyone would try to help and probably blame us for poor judgement as well.
@aerous (13474)
• Philippines
5 Jul 11
Well, If I don't have I try to do my best to where I get some which is not bad or wrong with someone else and simply ask first the help of our almighty God, about so that he can helps me to find...
2 people like this
@KrauseHome (35514)
• United States
1 Mar 13
Yes, it never hurts to Pray and seek God when needing help Financially etc. and trust him in the end to see you thru. I know we have done that many times, and it may not always come when you expect, but things do get better.
@aerous (13474)
• Philippines
5 Mar 13
I agree with you, friend. Even if God, not give all what we pray. We still hopeful that someday all of the problems we have will have a solutions.
1 person likes this
@dragon54u (31638)
• United States
5 Jul 11
When I was desperate for money I sold stuff. I was in the middle of a divorce with expensive attorney fees and sold everything I could--CDs and books on Amazon, jewelry (not much but it helped) on eBay, all my tablature (music transcriptions for guitarists) that would sell on eBay, knick knacks, clothing, etc. all went on eBay. I hated giving up all the beautiful antiques and artwork I'd collected over the past 30 years and I even parted with some family heirlooms--it wasn't a lot and I still miss them but they helped keep my head above water. I ended up with very little but the bills got paid, my children were fed and sheltered and my husband got his divorce and I was able to protect my interests. So look around and see if there is anything you can sell. Take your lifestyle down to the bare bones and get rid of the rest. It's painful but it'll let you be independent for awhile longer. Call your debtors. Tell them your situation and try to make payment arrangements. You might lose your house but remember, it's just a house and there are plenty of rentals that are cheap right now. And also remember that home is in the heart, not in a property. There is some gov't program to help people who are behind in their mortgage payments, I don't know what it's called but you can find it and might qualify. Do you have a smartphone? Give it up! For $15 a month you can have a Net10 phone with 150 minutes a month and buy extra if you need it but just how important is it to be available 24/7? You shouldn't be talking on the phone at work anyway, or while driving or shopping. Everything can wait till you get home. And if you have to have a cell phone, get rid of your land line if you haven't already. It's cheaper, though, to have a land line and give up the cell phones. I'm sure you probably don't have HBO and the like but if you do, get rid of it. Look around and see what other things you can cut back or get rid of. After you do all this, then you can ask friends, church or others for help. I'm sorry this is happening to you, I know how painful it is. But remember that it's temporary and you'll get through it.
2 people like this
@dragon54u (31638)
• United States
5 Jul 11
By the way, look up Angel Food Ministries and see if they have a branch in your area. For $35 you get a box of food worth about $75. It includes vegetables, meats like steak, chicken, etc., bread, canned fruit and more. All you have to do is pick it up form the distribution center. It's not charity, just smart buying. http://www.angelfoodministries.com/
2 people like this
@KrauseHome (35514)
• United States
28 Aug 11
Yes, there are times when I know trying to find ways to sell some of the excess items that we have would be a Good thing. But right now usually that means taking a lot of pictures, and then finding the right buyers who will come thru. I have considered trying this on Craigslist or via YardSellr. We have given up some things, and been utilizing Food Banks. Right now waiting to see what my job situation is and then decide where we need to go from here. We are buying the house and that is not an issue. We make sure even if other things get behind this is one thing that always comes first. God promised this house to me, and I know he is helping provide and protect us right now even when things are a little rough. As for Food we have been utilizing Food banks which has been a Big help for sure.
@dorannmwin (36698)
• United States
7 Jul 11
For us it is typically my mother that we will talk to about some help when we are struggling. She isn't able to do a lot for us, but over the course of time we've been able to help her out and she has helped us out as well. However, there was a time in my mother's life where she was struggling and my siblings and myself were too young to have money of our own and she called the pastor at our church. They weren't able to help a lot but they did help a little bit. However, I would say that it wouldn't hurt to call the companies and see if they are able to work out some hardship repayments for you.
2 people like this
@KrauseHome (35514)
• United States
1 Mar 13
Oh, I am still having to work with companies and places I owe money, and pay what I can when I can. The main issue anymore always seems to be since I have had to go see so many different doctors over the last 2-3 yrs. is the unpaid medical bills coming from everywhere. I try to do what I can but it is hard when sometimes the money is just not there, and you have to decide between medications, food, and paying bills.
@daeckardt (6245)
• United States
6 Jul 11
Not that I recommend it, but when I couldn't afford to pay all the bills, I would pay the important ones (rent and utilities as well as food) and leave the rest go. My credit is so bad right now because of that it isn't funny. I avoid trying to go to agencies and my family is in as bad of shape financially as I am so I just let things go. Have a great week!!!
2 people like this
@KrauseHome (35514)
• United States
1 Mar 13
Well, yes, there are times when you have to let some of the smaller ones go. The ones that I usually have to let go, are often my Medical bills. I know this affects my Credit, but when you can not pay them, you cannot pay them. I just try to get people to understand what I am really going thru, and hope for the Best from there.
@jillhill (37383)
• United States
5 Jul 11
There are places that give emergency aid even if you are working...would going to the Salvation army for food to get you by help out with the grocery bill? In our state you can even get help with emergency medical bills if need be....my son's ex had to have surgery without insurance and they helped out quite a bit...maybe cutting back on the groceries by getting to a food shelf might give you a bit extra cash toward bills.
2 people like this
@KrauseHome (35514)
• United States
28 Feb 13
Well, part of the problem is that I do not drive, and not sure what opportunities there are to help get extra food sometimes. It seems like most of the time it comes to having to choose sometimes between having food in the house or paying a bill, getting my needed medications etc. Wishing there was easier solutions.
@CatsandDogs (13964)
• United States
5 Jul 11
Hi Tina, there's a few that's been suggested to me when I was looking for help to raise the money for my parents roof which I'm working on still however, I'm passing on the information to you and here they are. Not referral links http://www.wishuponahero.com http://www.chipin.com http://www.modestneeds.org Other than that, we don't have any other place to turn because my family doesn't have it to help if we were to be in dire straits. However, these sites help people in need of help so check them out in hopes something will happen for you and your husband. Good luck!
2 people like this
@KrauseHome (35514)
• United States
28 Aug 11
Thanks so much my Friend. Most of these sits I would of have no idea that they even existed. Even if I am only able to get a little bit of help from any of them it would be much appreciated. Thanks for this post so much.
@biibii (19)
4 Jul 11
if i am in need of money... all i have to do is to pray and to it on my own first... i really have to find something to cover-up what i need. i need to find a solution for my self first, like if am a working person ill ask for an advance payment and working overtime or finding an extra job... and making a promissory note to the company that i will promise to pay those bills.. and/or working part-time for the hospital to lessen the bill.. and if those things are not meet it is the time for me to ask help in my families and friends... and in every thing that i do not miss to talk to the God Almighty... ... your pastor can help you with your physiological needs
2 people like this
@KrauseHome (35514)
• United States
24 Jul 11
Yes, he is good for helping when it comes to inspiration and guidance and advice but when it comes to Financial they do what they can if there is any $$ there. I know he is wanting to teach us we need to keep being responsible for our own bills, and also we need to Pray and learn to Trust god more that he will continue to see us thru it all as well.
1 person likes this
• United States
4 Jul 11
I woud go to your Pastor and see if they can help you with the utilty bills. I know my husband and I have had to do that before. I would also see if they could help you with food as well. I would also mak phone calls to the companies asking if they could set up payment arrangements (some will if this is the first time). I would also look into the Salvtion Army to see if they can help out. I wish I could help you out, but I am strapped myself.
2 people like this
@KrauseHome (35514)
• United States
23 Jul 11
Personally we have been checking around with a couple of places and not really getting anywhere. If worse comes to worse, we will ask our Pastor to help out with some of the bills if they can. As for food, we have started utilizing some of the many Food banks in our area, and will continue to do so until we are more on our feet. It is interesting seeing what some places say they can give out now.
1 person likes this
@suspenseful (40316)
• Canada
4 Jul 11
I would gather you would pay the bills if you had the money. I pay mine through the bank , but I was wondering whether your church has a deacon fund. If you would talk to your elders or presbytrs, they might talk to the deacons who would help you out. I do not know about bills, but they would probably arrange for some to bring over meals, housecleaning, etc. so that the money you would have used for food and housecleanng, would go to the bills. You would need help in that regard.
@KrauseHome (35514)
• United States
23 Jul 11
Well, for some reason our Pastor has not been really wanting to offer any help Financially this time. Due to everything going on, I am unable to work Full time right now due to not being able to walk on my leg while it is healing very much so I have to rely on my husband to drive me back and forth to work all the time. Since he works days, and I work Swing Shift I am usually quite late, but do what I can to get there. All I can do is continue to Pray and trust God that somehow we can get thru this and one day look back continuing to know it's all been worth it.
1 person likes this
@suspenseful (40316)
• Canada
23 Jul 11
We do have elders and deacons in our church and usually when we need help, we go to the deacons. Sometimes all the pastor can do is to pray. I find that when you talk to someone in church about the problems you are having, that often the word will get around that you need help. Yes and prayer does help. It is a funny world though. I find that with finances, when I do not have enough, things go wrong, but when I have lots, things go right. I do think it has to do with faith and trusting in God.
1 person likes this
@KrauseHome (35514)
• United States
24 Jul 11
Well, for the most part anytime anyone mentions needing some help in our church everyone always seems to ask if they have Prayed about it, and believe God that in time something Great will become of this. Then if you try to mention needing help for something, if it is something small someone might actually consider reaching out and helping you, but if something major they need to go to the Pastor or you do. The main thing anymore is due to the Economy being so shaky like it is a lot of times there is not the extra to be able to help someone. I do believe though things are starting to get better. Just knowing when it is God's time things will happen.
1 person likes this
@sender621 (14956)
• United States
4 Jul 11
When i am in need of money and have none of my own, I will usually turn to family for some support. My mother is the first person that will come to my aid, then i would ask my sister. I don't like to ask in laws unless it is a desperate situation. they are usually more critical of my financial needs.
• United States
4 Jul 11
I never turn to my husband's family because they always accuse me of being terrible with my husband's paychecks. His family says that I need to eliminate all bills and I told my sister in law how can I eliminate my bills if all the bills we have are mortgage, city bill (water, garbage and sewer), phone bill, internet,car insurance, home ownwers insurance and we need food. I do not see these bills as being things that are not important, but rather important. My sister in law always throws her two cents in, but never knows what she is talking about.
2 people like this
@manleyjoe (1599)
• United States
4 Jul 11
I think that must be what in-laws are for to "throws her two cents in"
@bunnybon7 (37645)
• Holiday, Florida
4 Jul 11
sounds like my mother that used to tell me i should save for these extra things coming up, when i could not explain to her that every month was no money left to save and barely gotten through without starving my kids. she always had a good income and no kids at home then. not to mention i was her only kid and after 12yrs old, i worked for my school clothes and to help, etc.
2 people like this
@manleyjoe (1599)
• United States
4 Jul 11
I know where you are coming from, I just got home from the Hosp this past week and don't have energy to write checks and mail the bills out. I don't have a problem at this time of being short on cash but if I did I would ask my family for help first, then work on up to the public help agencies. I try to plan ahead for times when I will be short of cash be laying aside a few dollars each pay period for such times.
@KrauseHome (35514)
• United States
7 Aug 11
Well at least you have family you can count on for help. My husband and I do not. We are actually waiting to see if our Church will help with the Utility bill today. I am hoping so as they have not let us know anything different. Otherwise we will have to pay it and figure out how to make the house payment. Lately it has been a struggle with that let alone anything else.
1 person likes this
@manleyjoe (1599)
• United States
7 Aug 11
I will add this to my prayer list for today so that God can provide you with the means to over come this.
1 person likes this
@KrauseHome (35514)
• United States
10 Aug 11
Our church helped pay 1/2 of it which was a help, and we paid the other 1/2. Things are still super tight here financially for us, and it will be squeezing a turnip to keep everything paid but things are getting better with my health and I know God is in control.
1 person likes this
@celticeagle (120469)
• Boise, Idaho
4 Jul 11
I think your church could help you with food and you could utilize the money you would regularly spend on food, or a portion of it, toward your bills. I used to have my mom I could turn to and she always seemed to have some money set aside although she lived on a shoe string. I now have a loaning institution here locally that will lend a humbling amount but it helps in a pinch. It really depends on how much you need. Loans are not much help because you end up paying back so much more than your loan. I would wonder if you have a option in your work insurance that lets you save for medical emergencies. I can't think what the account is called. Or, if either of you have an IRA or 401K. You could barrow from that. Or if either of you have life insurance.
@KrauseHome (35514)
• United States
9 Jul 11
Where I work does not offer anything. One time way back they had someone come in from AFLAC which many times I have regretted not signing up for, but that has been yrs. since they came thru so they may no longer offer it anyways. As for Food if worse came to worse our Church could help a little. We might have to check with them tomorrow for help with Gas til next Friday anyways.
1 person likes this
@celticeagle (120469)
• Boise, Idaho
10 Jul 11
Wow! you are a ways back aren't you? I answered quite a while back as I recall. I hope you are eating a good diet. That website I gave you has some very good products.
1 person likes this
• Canada
14 Aug 11
When I need money, the first thing I do is whatever I can to market the books that my husband and I have published. This way we are making more money, but people aren't actually giving it to us. It's certainly not free money, but it's not a loan either. We make a profit, they get books!
1 person likes this
@KrauseHome (35514)
• United States
2 Mar 13
I have considered this. Have you done Self Publishing, or what, and where are your books sold? Many times I try and always make ways to spend time to earn more $$ doing something just to be able to help with some of my excess bills. Any extra I earn can be quite worth it.
• India
5 Jul 11
Whether you find solutions or not,best way is to trust up on God's help which you don't know from where it will come.Going out to your Pastor is the best way out.No matter their resources are limited, but he can appeal to the people on your behalf during the masses. I believe it will certainly help because somebody out there attending in the house of God, may very well opt to lend you a helping hand.
@KrauseHome (35514)
• United States
26 Aug 11
Personally I think they are afraid to say anything more about taking up a Love offering or anything for help for people anymore. Maybe because of the Economy but sometimes I wonder. I do know that we have not been the only ones there needing some help. It just seems to continue to be rough all over.
@paula27661 (15899)
• Australia
5 Jul 11
Here in Australia we have organisations such as The Salvation Army and Saint Vinnie’s Society who help people in situation such as yours. I hope you have similar places in your country. I appreciate what you are going through because my family and I are in the same position. The money that comes in just covers our living expenses and bills so any extra expenses would cause us a great deal of financial pain too. We have credit cards for emergencies but they still have to be paid back. Do you have a Social Security Department that may help you? I will keep you in my prayers; it’s bad enough suffering health issues let alone financial ones too! My heart goes out to you and I pray you will receive the help you need and that your health improves.
1 person likes this
@KrauseHome (35514)
• United States
26 Aug 11
Well since I am Married there is not much that anyone can really do. If I tried to get help from Social Security Disability even if they ever were to accept my claim it would be months before I would see any money from them. So it still tends to be a no win situation while continuing to Trust and believe God for more as well.
• Philippines
5 Jul 11
I usually ask for help with my older brother. He is so generous to us even to my daughter and I really admire him. He is so helpful to anyone and he wouldn't turn you down. He didn't do it to me. Every time I need some money, he is always there. He's like an angel to me. He's my savior.
1 person likes this
@KrauseHome (35514)
• United States
17 Aug 11
Well right now I feel like I do not have any Family, etc. that I can turn too. Bills continue to pile up and since I am not able to work Full time due to my Health it just feels like I can never get ahead. I really sometimes wish that there was someone or something that could help instead of my husband having to take out of his 401 K all the time. But since we are married, they say we make too much, so this is about the only choice when things get too bad.
@cerebellum (3871)
• United States
5 Jul 11
Luckily there are a lot of programs to help low income people. You could go to a food bank to get food for one. Your utility companies may have programs also, call them and see. There is LIHEAP which helps you pay your gas bill. I get that, but I am not sure if it is federal or if it is from the state. There are a lot of programs for the disabled also. In Pa. there is a program that helps you pay your taxes or rent but it comes from the lottery so it is probably Pa. There is even a program to pay your medical bills with no interest and a home improvement loan. I would advise you to call your local welfare office and see what is available.
1 person likes this
@KrauseHome (35514)
• United States
17 Aug 11
Well, I am married, so most places go by both of our incomes and his alone is too high for anywhere to be able to help us. They tend to never take into consideration the other bills like Medical especially, or that I am Insulin Dependant diabetic and this might play a big part as well. All I can say is that maybe there is something out there we have not found yet, but we struggle and Pray and believe. And we are utilizing Food banks as much as we can as well.
@AmbiePam (50256)
• United States
5 Jul 11
You just got a Prius, right? Can you sell that and find a reliable car that gets okay gas mileage? Of course the older cars are cheaper, but that probably means worse gas mileage. There might be a happy medium. But I can't remember if you're the one who got the Prius in the first place. Our church is really limited in what they can do as well. I think mine could maybe give me a one time donation, but that's probably it. Have you thought of your local news? Sometimes on my news I see them interview people who've gone through a lot and who are working hard to help themselves, but need a little extra boost to get through.
1 person likes this
@KrauseHome (35514)
• United States
17 Aug 11
Well, selling the Prius is not really an option. What we save in Repairs if we had an older car, along with what we save in Gas due to we put in a lot of miles going back and forth to work it would not be feasible. If we would not have bought the Prius, we would be paying off a Subaru Forrester, and our payments were about $100 more a month not counting how much gas we went thru. We traded it in, and got Cash back to help pay for the down payment, etc. Well, right now we are trying to do things anyway that we can to help earn some Extra $$. It sometimes feels like it can only get better from here. We have tried to take on renters, etc. and keeping strong and believing in Faith, that in time everything is going to be OK.