Can i get help with paying bills from charities? want to die

Discussion in 'Personal Finance Q & A' started by JibberJabber27, Jul 21, 2016.

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  1. Can I get help with paying bills from charities? I need help urgently and don't know where to turn to. I have a mortgage to pay along with credit card bills, car loans and high interest pay day loans. I cant seem to make ends meet and now I'm in a right mess, I cant see a way out, I even contemplate suicide sometimes but seeing my kids then makes me want to get out of this financial mess. I've seen the advice on this forum is direct and helpful so please help me? I just want to know if I can get help with paying bills from charities.
    Simrin and Sadia like this.
  2. Sadia

    Sadia Administrator

    I'm really sorry to hear about your financial woes, we've all been there at one point in our life and I can tell you it is possible to get out of poverty. I would suggest you use your children as motivation and keep any suicidal thoughts outside your head. Before you think about getting help with paying bills from charities you need to do the following for long term financial success.

    First thing you need to do is know where you stand financially. I know its painful but you need to fill out an income and expenses form to see where all your income and expenses are at.

    Your next step is to cut your expenses drastically. Try to cut it by 50%, this should give you some breathing space to pay the bills. You can cut your grocery expenses, cut your non-essential spending as well as any luxury spending you indulge in.

    If after you cost cutting exercise you have enough disposable income to pay your bills you should keep this budget until all your outstanding bills and debts are repaid.

    If you don't have enough disposable income you are in financial difficulty and need help. Now what you have to do is call your creditors to let them know your having financial difficulties. Give them a copy of your income and expenses statement and then ask them to stop all interest and charges and to put you on an affordable repayment plan. This step will stop your debt from spiraling out of control.

    You should also consider applying for welfare benefits to boost your income. Look into mortgage assistance, energy assistance, and food stamps. There are many Federal and State Welfare Benefits for low income families near the Federal Poverty Line.

    You should also visit your Doctor and share your suicidal thoughts. The last thing you want is to become depressed and no longer be able to give care to your children.

    You can find a complete list of charities that help with bills here but I would suggest you try and get out of the financial mess yourself because it will almost certainly lead to long term financial success.
    Simrin likes this.
  3. Simrin

    Simrin Newbie

    Getting help with paying bills from charities wont get you very far. These charities will make you go through lots of hoops and then offer some small cash payment. Instead I would follow @Sadia's advice to the letter because it is a guaranteed way to get out of poverty.

    The absolute key is to communicate your financial troubles with the right people. Call your creditors immediately and let them know your having trouble and your to the point where you are considering suicide, they will almost immediately help.

    Also visit your Doctor and ask for help, any report the Dr gives can be submitted to help you with your finances. You could even take a break from your mortgage if things get overwhelming.

    There is a way out, I repeat there is a way out. Just follow the advice and seek the help you need quickly.
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