After decades of working to support myself and my daughter, I'm seeking help reducing approximately $250,000 in debt so I can finally build a financially secure future.
The story
I'm 52 years old, a mother, a homeowner, and someone who has spent most of her adult life working hard to build a stable life for herself and her family.
I've never expected anyone to hand me an easy life. I've worked, paid my bills, taken care of my responsibilities, and done my best to make good financial decisions. But after all these years, I find myself wondering when working hard will finally be enough.
I'm carrying approximately $250,000 in debt, including two mortgages on my home, a car loan, and credit cards.
I work full-time, and I'm grateful to be employed. But between my financial obligations and the everyday cost of living, it feels like I'm constantly working just to keep everything from falling apart.
One of the hardest parts of this struggle is knowing that we have no one to turn to for help. There isn't a family member or friend who can step in and ease the financial burden. It's just my daughter and me, trying to make the best of what we have. I've spent years doing everything I can to keep us financially afloat. Sometimes, I wish there were someone I could lean on, even just once. Someone who could help instead of me always having to figure everything out on my own.
I don't want to spend the rest of my life living this way.
I've been actively looking for better employment opportunities, trying to improve my financial circumstances, and doing what I can to create a more secure future. But financial progress is painfully slow when so much of your income is already committed before you receive it.
Recently, I also lost my younger brother unexpectedly at just 50 years old. His death has been emotionally difficult, particularly because our relationship was complicated and there are still unanswered questions surrounding his passing.
That loss has made me think even more about how short life can be.
I'm 52 years old. I don't want to look back someday and realize that I spent every remaining year of my life doing nothing but working, paying bills, and worrying about money.
I want to enjoy the life I've worked so hard to build. I want to spend meaningful time with my daughter, create memories, and eventually retire without the constant fear of financial insecurity.
I'm not asking for luxury or extravagance. I'm asking for an opportunity to get out from under the weight of debt that has made it so difficult to move forward.
My fundraising goal is $250,000, which represents approximately what I currently owe. Donations would be used to reduce my outstanding debts, including my mortgages, vehicle loan, and credit cards.
I understand that's an enormous amount of money. I don't expect one person to give it all, and I know reaching that goal may not be realistic.
But every contribution would help.
Even a fraction of that amount could make a meaningful difference by reducing my debt and helping me keep more of the income I work so hard to earn.
I'm not looking for someone to take care of me for the rest of my life. I'm asking for a chance to finally get ahead.
It isn't easy to admit that, after decades of working and trying to do everything right, I could use some help.
But here I am.
If you're in a position to contribute, whether it's a few dollars or something more substantial, I would be deeply grateful.
Thank you for taking the time to read my story and consider helping me build a future that feels hopeful again.
Questions & comments
Ask before you give. Email-verified members can comment and ask questions. No donation needed.
Sign in or create an account to ask questions and join the conversation.
Leave a comment as a guest
No account needed. Comments with links or advertising are not accepted, and a name is required so people can see who wrote it.
Losing your brother while still carrying a full time job and all this debt is a heavy weight to hold at once. Hoping some breathing room comes, and that you get real time with your daughter.
You are doing the work of getting back on track, and asking for help along the way is part of that. Praying steady employment opens up soon.
Sharing this with others who understand how one income carries a whole household. Hoping the monthly obligations shrink and peace returns.
Years of doing everything right and still feeling behind is a quiet kind of grief, and losing your brother on top of it must have shaken you. Hoping some of this lifts.
You have carried the whole thing yourself for years, and admitting you would like someone to lean on once is not weakness. Hoping the debt shrinks and that rest becomes a normal part of your week.