hard getting thru life's financial crisis

[eivel-ice]

good day,. i want to start this by saying hi to everyone and please bear with my grammar as it is not my native language.

i will start this with i really don't know what to do anymore.

i am buried in loans and have lost our house, in work ( i am a technician with no daily pay, will only get the money if someone come to my shop and have their things repaired)

i have been in this line of work for around 10 years now. it is the only work i have been. for the last 5 years, i have been in this place, i can't leave this place because i have some obligations, loans, and some customers money that i need to refund and some other things to.

so the problem is i am stuck.. i can't leave, i don't make enough money. i am almost happy if i made around 20$ a day.. just to get my family to eat and pay for daily necessities...

i am in hiding, i can't even use my facebook, my phone is in call reject. and i can''t go to some places because i have people there that i owe money to..

i tried to look for ways to earn but having a very bad luck, i ended in loans again.. what i earn only goes to those loans and moneys that i owe to people.

this started 2014.. its been 3 years.

2013 and around 1st quarter of 2014 was good, the biggest mistake was, i did not save. i just spend it all on some things and also paid the problems that i have after i lost almost everything on 2012 due to a holdup incident. i lost around 2000$ or more in things that was suppose to be repaired. i was going to the supplier to buy parts and test them so i have all those things in me when i was hold upped. so it was a mess.

last year, my father's health started to decline resulted to having him in and out of the hospital and me as the only one who can support him. February this year, he died.. i was the only one who shouldered everything..

then after he died, my aunt decided the house that we live in, to be sold, they said they were going to give me enough from the sales, to buy a new house, but when the house was sold, they never gave me anything. so i am, and my family, 4 kids, my wife, have no own home to go to.

we now live in my 1 room boarding house/apartment which i am also having problems on paying. good thing that the landlord is a very nice person, they let us stay even if i am delayed on payment for 3 months now.

when i lost it all, now in hiding, and just now, i think someone will file a case of something for me for not paying the refund that was suppose to be refunded last month but i accidentally lost it on a scam that promises me that if i give a down, they will let me have a bigger loan.. the money never came, and i am now more broke than ever.

almost all of my friends now, most of them which i helped, i am the one who taught them how to do things and they became who they are now because of me, they are now not my friends anymore, most of them even ridicule me, look down on me, won't help me. some of them have owe me money but won't pay.

i don't even have anyone to talk to. my wife have this problem that i can't talk to her about problems because she can't understand and have hard time on understanding. so i feel like i am all alone. sometimes i think of ending it all but when i look at my kids, i can't do it because who will take care of them when i am gone. i don't want them to end up bad because i am not there. but still now, even that i am here.. i am almost cannot do anything for them..

 

[AlexiMarie7]

Hi there,

Welcome to the Forum. Sorry about the financial problems; I know they can make life very hard but it can improve. Don't give up hope for a better day

Is your wife able to work to assist a bit? May I ask how old your children are? I'm glad you have them to give you motivation to stay alive.

Are you able to advertise your repair services for free on local websites? Or put up flyers in local shops?

Is it possible to get a night job, even temporary if possible? It may not be something you like but it could help you get a little bit more money to survive better.

 

[may71]

Sorry to hear that you are going through this.

Did your father leave a will?

You may be able to go to a lawyer to get the money that should have been paid to you. In some cases, there are lawyers (or law school clinics) that will give free representation to poor people, I'm not sure if this is available in your country.

But also there are lawyers that work on what is called a "contingency fee" basis. That is, if they win your case, they get a cut of the money that you get.

As long as a lawyer doesn't demand too big a cut, you may be able to get enough money to support your family

 

[eivel-ice]

sorry for the late reply.

my father did not leave any will because there is no need for it. we are poor every since i can remember. the house we lived in for 15 years was in my aunts name. so we can't get anything from it. it was my grandfathers gift for my father but my father did not want to put it in his name because he and my mother was separated long ago and he did not want my mother to get the house so he put it in my aunt's name. the only problem is he did not put anything on writing so we ended up with nothing..

my children are oldest 9 years old and youngest is turning 2 this oct.

my wife can't get a job because she have to take care of the kids. i am still managing to feed them everyday with decent meals. the only problem i am facing is how long can i put it up. we are now in a city province and job is hard to find here. i am trying to find more ways but the loans and money i owe to people are getting in my neck and giving me sleepless nights. there are days that i slept at 5 in the morning and have to wake up at 9.

i am just depressed at the thought of i can't even talk to people. when i talk to them, they treat me like trash, some of them are avoiding me, avoiding conversation, those are the people i helped when i was a little bit on the good income side. before this all crashing down. i am not asking them for payback in what i did, i just sometimes needs someone to talk to about what could i do,

as for putting up flyers, i cant because i am still in hiding from some people i owe. until i have enough savings to pay them, i can't surface to any social media yet. i am not running. i will pay, but i need time to come up with money..

i just don't want to go back on the times when i was young that i can only eat for a lucky 3 to 4 times a week. can't even buy myself slippers, the house doesn't have electricity because me and my father can't pay for it, water comes from rain. we even did collecting trash to sell on junk shops just to get by.. i am afraid to go back to that kind of life...

 

[may71]

my father did not leave any will because there is no need for it. we are poor every since i can remember. the house we lived in for 15 years was in my aunts name. so we can't get anything from it. it was my grandfathers gift for my father but my father did not want to put it in his name because he and my mother was separated long ago and he did not want my mother to get the house so he put it in my aunt's name. the only problem is he did not put anything on writing so we ended up with nothing..

If the lawyer is free, or will work on contingency fee, it might not hurt to ask. If it was in your aunt's name, it would be pretty difficult to prove that your grandfather intended you to inherit it.

Is your aunt just being malicious to you? Is there any chance that if you ask her again, she will give you any help?

 

[eivel-ice]

i tried asking if i can borrow money. i don't ask if they can give me. just borrow and i will but they declined.
just recieve a few more bad news just today. i can't think of anything anymore. i was like i am waiting for the end to come.

 

[may71]

i tried asking if i can borrow money. i don't ask if they can give me. just borrow and i will but they declined.

Can you remind your aunt that she promised to give you another house after she sold your father's?

just recieve a few more bad news just today. i can't think of anything anymore. i was like i am waiting for the end to come.

Your kids and your wife would be a lot worse off if you were dead.

Do you want to say what country you are in? There may be some form of assistance in your country that we can help you find.

Could your wife work if your kids could go to daycare? I don't know if there is daycare in your country.

 

[eivel-ice]

daycare is not for the faint of heart here in my country. i am from the Philippines and it is not as good to social services and other things like that.

and now since i am a week jobless.. no money is coming in, of all of my friends, i thought that i have a lot. but now, there is just this 1 person that have helped me just for a day, i can't thank him enought for giving me help on buying some food for my children. but now i am dead poor again. i can't ask for loans anymore since i am jobless, loans here, even loan shark won't give you a loan unless you have an income. and the land lord is asking for payment again on the house. it is running now about 500$ on which i dont know whete to find. i am totally messed up.

i know i have some bad choices in the past when it comes to choosing what to do. but i didn't think those bad choices would be enough reasons to make my life like this.

thanks may71, yeah, when i think about it, my children would be in a lot more deep shit if i die. so i am trying not to think about it that much. i would just think about it sometimes when i don't have an answer to what will i do even for the next hours.

 

[may71]

the land lord is asking for payment again on the house

Is the landlord a good guy? It's possible you might be able to work something out with him.

I think you said that your wife can go live with her parents and take the kids with her. Maybe she will be able to work if her parents watch the kids.

It sounds like you've got some good computer/technical skills, and also good english language skills. There's probably some companies out there that would want to hire you.

If I understand right, the last place that you worked was a shop, and you would only get money if customers came in. If you get a job that pays a salary or hourly wage, then you wouldn't have to worry about that.

My guess is that the best thing that you can do right now is to try to go all-out looking for a job while you still have a place to live. I'd understand if you felt too depressed to do that, but it could spare you a lot of trouble if you could find work.

Often times when someone loses one job, they end up finding another that turns out to be much better. So as distressing as it is not to have a job, there may be something that you could really look forward to.

Knowing how to apply, making your resume look good could really help in the process.

If you worked on your own, it might be hard to find references, but maybe there is a customer who liked your work who could recommend you, or maybe give you some leads on a job? Could the friend who helped you recommend a job to you?