Hello. My name is Desire', and I am asking for help to pay off a very bad loan, as well as to get my first ever novel published. I have been the sole income for myself and my husband since we were married in 1998. My husband is mentally ill, with multiple personalities, and spends at least half the time as a 6 year old child, so he is unable to work. We were getting by well enough on my income, although living paycheck to paycheck most of the time, until a bad knee surgery in 2019 left me unable to do my current job. I lost my job, then my home and my car, and had to start over living with family in another state.
Since then, I was able to find a job working from home, but it is a lot less money than I made before, and we have been struggling ever since. We had to take out a loan to get another car, but due to my recent struggles the terms were very bad, and we are now paying $500 a month on a car that is worth less than $1000. If we are even two weeks late, they threaten to take away the car, so I have been falling further and further behind on my regular bills in order to keep the car. We live 20 minutes outside of town, so a car is a necessity.
If I could pay off the car loan, I would be able to pay all of my other bills on what I am making now, and would even be able to start putting money aside for an emergency fund. I need $5000 to pay off the car.
I am also trying to get my first ever novel published. I have several publishing companies interested in it, but since I am a first time author they are unwilling to count on book sales and want money up front. If I could get an additional $1000, that would allow me to realize my lifelong dream of becoming a published author.
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