Hello everyone,
A couple of days ago I posted a diary about my current situation. I've been working as a freelance writer while looking for full time work. I haven't had a decent check since January. In fact, between January and March I didn't have any income at all and was living on savings. My savings have been completely depleted and now I am living on what little I can bring in through writing. I'll talk about that more after the squiggle.
After I posted my last diary, I got referred to a couple of freelancing sites. I was already established on oDesk. Now I am signed up with eLance and Freelancer. I have some work right now, but the pay is not good. I will probably make about $250 this week and I won't even get that for two more weeks. That will be enough to keep my utilities on, but not to keep my house.
I am three months behind on my mortgage. I think with the new leads and the effort I have been making to expand my skill set (learning PHP scripting, etc) I can stay ahead of my bills here on out. I just need help getting caught up.
I really don't want to lose my house. I have a 10-year-old cat and a 1-year-old dog. Finding a new place I could afford that would take them would be impossible. And giving them up, especially my cat, would be devastating. They are the only thing that keeps me going sometimes. If I didn't have them, there really wouldn't be any point in fighting anymore.
In my last diary I mentioned being behind on my utilities. The job I am working now, plus payment I received yesterday for a job I did a couple of weeks ago, will catch that up. It is just my mortgage and my HOA dues that I am worried about now.
This is what I need to get caught up.
Mortgage $505x3 = $1515
HOA Dues $130
Late fees for mortgage and HOA dues ($26*2)+($20) = 72
Total = $1717
The bank calls every day and I just let it go to voicemail. What good does it do to talk to them? I already tried to get them to change the terms of my mortgage or just let me put it in hold for a little bit and they wouldn't work with me.
My skills are copy writing, web content creation and WordPress development. If you could assist me either by sharing my freelancing site http://coocoocachaw.com or by donating through my paypal account paypal@thatposhgirl.com it would mean a lot to me.
I hate to be asking again, but my last diary fell off the front page really quickly and I did not end up getting much help.
I promise to pay it forward when I am back on my feet.
I also want to mention that it was suggested I rent a room out in my house. Unfortunately, this is not an option. I am in the Phoenix area and my A/C went out two weeks ago. I am able to tolerate it because I have a small portable A/C in my master bedroom. The only reason I can use this portable is because the master bedroom doesn't face the street. The other bedrooms in my house do face the street. If someone installed a portable A/C in one of those rooms I would be fined by my HOA. My HOA is very strict and the fine would come very quickly. I don't know what is wrong with the A/C and I can't afford a service call to find out.
These are my babies.
10:17 AM PT: Wow, this community is generous. I now have $1000.00. I just need $717 to get caught up.
Thanks.
12:19 PM PT: Thanks again to everyone. I received $1060 and also got good news from the bank. I decided to go ahead and answer the collection call and found out that I am only two months behind. I thought that on the 15th it would put me three months behind, but I miscalculated. That means that $1060 I received is actually enough to catch me up. Hopefully by August I will have enough regular income to avoid getting behind again.
Thanks again.