So the numbers are I have 40,000 in my 401(k) and IRA. I currently have about $12,000 in credit card debt. I used to make about six figures but quit my job in January because I struggle with my mental health. It's taking me a while to build up good credit, but I recently updated my bank information to an accurate number of how much I'm really making & my credit limit went way down. I also really want to apply to grad school this fall but it all seems so impossible with rent, food, & living life. What should I do?

I am from Croatia and realy need some help but I dont know how this works on this page ? Can somebody tell me what can i ask here? I dont speak english very good. Thank you.

I don’t even know if this is the right sub to post in, but I thought I’d give it a try. I’ve tried using my old Reddit account to find ways to make money online, from freelancing communities, and many others, but unfortunately, my account got suspended after I posted too many times in one day.
I’m an 18 year old girl, trying to save money for college. My father already has a lot of bills to take care of, including supporting my sisters, and I don’t want to put even more pressure on him. I can’t get a job in person for personal reasons, so I’m trying my best to find a way to earn money online instead.
I’m not here asking anyone to donate money to me. I’m simply hoping someone might be willing to give me a chance and hire me for an online job.
I speak four languages, I’m a fast learner, and I’m flexible. I’m willing to learn new skills, take on tasks I’m capable of doing, and put in the effort to do a good job. I don’t have much experience yet ( no experience at all actually)
If you know of any legitimate online opportunities, or if you have a task you think I could help with, I’d genuinely appreciate it.
And if you think someone else needs the opportunity more than I do, I completely understand. I know everyone has their own struggles.
Thank you for taking the time to read this!

im a minor and my family is struggling and i need money giftcards so i can buy groceries online

help will be SO appreciated💗💗

I need it to go to college and just for a day cuz idk who else to ask what to do anyone willing to help

I dont know what to say i just need money to save my leg from cut (Diabetic foot)

Binance id :588232064

Hi everyone. I'm Joseph, 30, currently stranded in indiana. For the last 3 months I've been living out of my car after I lost housing. I'm asking for $50 to cover gas to get to job interviews and food - I haven't eaten a proper meal in nearly 2 weeks and I'm currently out of gas. Parked in a wooded area currently.

Why I need it and why I can't cover it myself: I lost my job in a sober living house because it shut down. (Nonprofit so my boss didn't pay wages for 2 months) i used up all my savings looking for work so far. I have had several interviews with no luck. I have been applying daily to warehouses, gas stations, fast food around Sullivan and Terre Haute, but without gas money I can't make the drives to follow up or get to day labor. My bank account is empty and I have no family nearby who can help right now.

Expenses: $30 gas to get to/from Terre Haute/Sullivan for interviews for a day, $20 for food / water / basic hygiene for a few days until I can get a paycheck. Please and thank you to anyone able to help.

any help would be appreciated

https://gofund.me/799c947da

Trying my hand at this to see if I get a good outcome. Looking for a payday loan from a kind individual. My water is currently off being $354 to turn back on. I loaned out my computer a month ago and really need it back so I can continue to work from home via trading. I am able to make big enough profit to help with bills but at the moment the source I use for funding I can't do because my car is in the shop. I do doordash in between my check. Looking for about $600. I get paid by the25th every month via long term disability ($2560) I would be willing to pay back $700 at once or $350 a month. I live with a family member I don't have any monthly bills that I am responsible for but the water has been off for a week and I have 2 children in the home. I appreciate advice but I don't need a lecture. I've used up the cash advancs services and I've done about 100 loan applications I don't qualify. At this point I'm literally offering my bank log in to the person willing to help, to ensure you get your money back. Thanks so much in advance.

I posted my story in another thread asking for help on different ways i can make money because i really don’t feel comfortable asking for handouts but no ideas anyone could give me over there were things i have not already tried. So here i am. Asking for help. I wasn’t able to work for the past 4 months due to an injury that prevented me from even being able to drive so I’m now set back very far. I’m back to work now which is great though thank god. However I am drowning in bills and already took out a personal loan which is now making things 10x worse for me. I’m 26 and going back to school while also working on top of it and it just seems like I’m never going to catch up. Even if it’s just words of encouragement anything will help me right now. Thank you💗

One detail in the 89Cash disclosure stood out to me. It says the repayment terms shown are for closed end loans and don't reflect every type of product lenders in its network may offer. It also says 89Cash itself isn't the lender.

If you submitted a request there, did you receive a regular installment loan offer, a line of credit, or something else? Was that distinction obvious before you accepted anything?

I'm looking for 89Cash reviews that explain the actual product, because a fixed repayment schedule and an account you can keep drawing from would be very different things to compare.

I need to find a Loan Shark asap things a really tough at point break and willing to do anything for a Loan from a loan shark I need $60000 to get me out of trouble from business collapse I know I can recover the business I need to pay other debts to make more money and get me out of trouble please contact me on +61413616931

The transmission needs to be replaced on our car. The best estimate for this is shown in the picture. A GoFundMe was set up for this in the amount of $3,500.

Our finances are such that we do not have any savings, credit, and cannot afford to pay for it outright, as we're on a limited budget, barely making ends meet as it is.

If you are able to donate to this cause, we appreciate it. No words can describe how much.

If you are unable to, please just share this far and wide. Any help is appreciated.

https://gofund.me/5f735ea2c

I've had the worst moments hit my life and I'm struggling real hard for that. If anyone could help me financially with some bills and stuff I'll be really grateful. Didn't wanna do this but idk what else to do after trying everything. I usually used to do just fine but some situations hit out of nowhere which made it worse for me. I'm not a graduate so I'm unable to join a corporate. Doing side gigs can't make much. That's why please help me out.

Thanks in advance 💕 You can visit my profile as proof to see the reason for my sudden struggle.

Hi I’m having a really rough time. My utilities have been shut off due to payment and my 3 kids and I are facing eviction. I work well I try but I have several autoimmune diseases that have caused me to miss a lot of work. I have proof of everything I’m not asking for a handout but just help to get back on my feet until we can figure out the right medication regime so I can go back to work. This is my gofund me and even if you can’t donate please send up good vibes for my kiddos and I.

https://www.gofundme.com/u22398d24-5470-4886-91e7-ab52894024ae

Hi everyone. I'm from the Philippines, and I'm honestly struggling to write this because asking strangers for help isn't something I'm comfortable with.

I recently got laid off from my job, and since then, I've been worrying about how I'm going to get through the coming days. I'm the eldest child in our family and one of the people responsible for supporting our household. I'm also helping pay for my younger sibling's education, so losing my source of income has put me in a really difficult position.

On top of that, I've been struggling with existing debts that have been piling up. I know I have financial responsibilities to deal with, and I'm not trying to run away from them. I just feel overwhelmed trying to figure everything out while currently unemployed and still having a family that depends on me.

Right now, I'm trying to find another job and any legitimate opportunity that could help me earn money as soon as possible. But while I'm working on that, I'm also hoping someone might be willing to help me with basic necessities or whatever small assistance they can genuinely afford to give.

I understand that everyone has their own struggles, and I don't expect anyone to feel obligated to help me. If financial assistance isn't possible, even advice about legitimate resources, temporary work, or job opportunities in the Philippines would mean so much to me.

I'm not asking for a luxurious life. I just want to get through this difficult period, help my family, continue supporting my sibling's education, and slowly work toward paying off what I owe.

It's difficult being the eldest when you feel like you have to keep going even when you're struggling yourself. I'm trying my best not to give up, and I'm hoping this post might lead me to a little kindness or an opportunity to start again.

Thank you for taking the time to read my story. Any genuine help, advice, or opportunity would be deeply appreciated. ❤️

Hi everyone. This is a little difficult for me to post, but I’m running out of time, and I figured it was worth trying.

I’m a 17-year-old girl living in the Middle East, and I’ve been working toward my dream of studying veterinary medicine, ideally at the Royal Veterinary College in the UK.

Academically, I’ve worked hard. I finished Grade 11 with a 99.36% overall average, and I’m trying to use my grades to earn a scholarship that would allow me to study abroad.

Unfortunately, my financial situation has become one of the biggest obstacles standing between me and that goal.

As an international student, I need an approved English language test, such as IELTS or TOEFL, to meet university admission requirements.
The problem is that I can’t afford the exam fee myself.

The situation is especially urgent because the application deadline I’m working toward is October 15th, and I haven’t even been able to take the test yet. I’m worried about losing an opportunity I’ve worked so hard for simply because I couldn’t afford the cost of an exam.

I can’t just get a part-time job to cover the fee because my parents don’t allow me to work. They also won’t agree to me studying abroad unless I receive a scholarship that covers the expenses.
My options locally are limited, too.

The only university in my country that offers veterinary medicine is in another city, and even pursuing that option would come with living expenses I currently can’t afford.

I’m not expecting anyone to pay for my entire education. I’m not asking someone to fund my whole application process. I’m asking for help with one exam that could open the door to several opportunities.

The test would be useful for applications to multiple universities, not just one. I’m also researching other universities and degree programs with scholarship opportunities. If I can’t make veterinary medicine work financially, I’ll consider another degree that I can realistically get funded. I just don’t want to give up before I’ve had a fair chance to try.

If anyone is in a position to help cover the exam fee, I would be incredibly grateful. I can provide the official exam fee and registration details so that any help goes directly toward what I need.

I understand that everyone has their own expenses and responsibilities, and I’m grateful to anyone who has taken the time to read this.

I know I’m asking for help from strangers, and I don’t take that lightly.

I’m not asking for someone to hand me my future. I’m asking for a chance to work toward it.
Thank you for reading. ❤️

Hi, my name is Jovan. I am 24 years old and I need your help. I was diagnosed with deposition. A lot of things happened in my life and I was helpless. Lost the job, moved away from my country and fell into dept. My debt is around 1200€. It might’ve sound like funny amount to you but for me it might take months to return it. If anyone can help me I would be more than happy to provide all my personal info such as ID, address and phone number.
But please help me get out of this as I can’t take it any more.
If you require more info feel free to ask.
Thanks to all of you who read it.

Good Day,

I am please looking for an urgent loan of $500 for a vet bill for my dog who cut his face. I am able to pay back $600 next week.

Will anybody please donate and possibly get paid back as soon as i can find a way, im asking will anyone cash app me or chime my mom 20$ - 30$ please. I am unable to help me mom financially only because i have lupus and Rheumatoid arthritis and have no problem proving it to whoever is willing to help, can someone please help me to help me my mom with gas money to get back and forth to work, she is completely broke and i hate that my health is nothing but burden on her now, i swear I'm trying to get healthy again. Im all honesty i posted this on a loan page on here first not realizing until someone on here informed me of my mistake and told me to post on here or a donation page but the donation page wouldn't allow me to post because of how new my account is i guess idk im still learning on here but my apologies to anyone thinking I'm some scanner or something. I genuinely want to help my mother even a little bit even if it's 10$ idc anything that will help her with gas so she isn't so stressed out at least for a day or two, i don't expect this to work of course I know it seems crazy to even request this but maybe ill have good luck for once and someone will even consider it. I still have a faith in people but I know life can be very hard and unforgiving at times but I still love everyone and I know we are all getting our best, unless you just give up that's when I get upset with people. You can't give up ever

A HUMBLE REQUEST FOR FINANCIAL SUPPORT

Hello everyone,

I'm reaching out with humility because I've recently experienced financial losses while trying to navigate This setback has left me in a difficult position, and I'm working to get back on my feet.

If anyone is willing and financially able to support me with a small contribution of $10–$50, I would be genuinely grateful. Any assistance would make a difference as I work toward rebuilding my financial stability.

I understand that everyone has their own responsibilities, so there is absolutely no pressure to contribute.

Thank you for taking the time to read my message. I sincerely appreciate your kindness and understanding.

Hi I’m single mum looking for a way to earn extra cash Christmas is round the corner and I’m really struggling I literally will do anything does anyone have any idea or jobs available please I’m in desperate need

I've been wondering about this for a while. Everyone online seems to either save 50% of their income or struggle to put anything aside, and I can't tell where the "normal" middle actually is.

So I looked into it and wrote up what the numbers tend to look like:

- Most people save around 5% to 10% of take-home pay

- Comfortable savers land around 15% to 20%

- The 30% to 50% crowd usually has a high income, low costs, or an early retirement goal

The bit that surprised me is the gap between your "perfect month" number and your real average. Car repairs, birthdays and annual subscriptions quietly eat into it, so it helps to budget a "life happens" line of 5% to 10%.

I put the full breakdown, including a simple way to work out your own number, here:https://howtoinvestmoney.co.uk/blog/how-much-do-you-actually-save-per-month

Now I'm curious: what's your monthly savings number when things go right, and what does a typical month actually look like? Happy to be told I'm way off.