Single Mom Financially Ruined by CV-19

Like many of us, I became unemployed because of COVID. I worked as a Nanny and the family I worked for no longer needed me since they would be working from home. I was devasted because I was just getting to a good place after a divorce. I had to file for PUA which I  received and that helped us get by. I did save some money but that money is gone. To make matters worse CA- EDD has put a hold on my acct. and cannot seem to tell me why. I was supposed to get 2 more payments and now getting nothing. We have no way to live. We have had to move into my car. My car payment is behind and I risk losing it. Everything is behind. If congress does pass an extension, I won’t get it until this issue is resolved. I will not receive the 600 stimulus check anytime soon. My bank rejected the direct deposit of the last one so it took weeks before it was mailed to me. 

This is a last effort to try and get some security for my son and I. I am doing this for him. He is not doing well mentally. He is very stressed and depressed. I can’t stand to see him like this and not be able to fix it. He has already sacrificed so much. He took his game console and TV to the pawn shop which breaks my heart. My son has Asperger’s syndrome. He isn’t like other kids his age. He is a brilliant young man but has a few issues that make it difficult to deal with trauma or highly stressful situations. He needs some relief from the constant worry.

The money raised will help me  catch up my car insurance, phone bill etc. It will also be used to help us relocate to another city where I have a job opportunity as well as friends for emotional support. We are very alone. I will be using it to get us into some type of temporary housing while I work and start getting paid. I will also look for an apartment and use the rest of the money towards deposits, up front costs and getting us beds to sleep on. 

I am paying a very high interest rate on my car, 28% and would like to refinance if possible. My son wants to got college in the fall. I am hoping to be able to help him so that he doesn’t have to go into debt with loans. He is interested in computers, coding etc. I would like to be able to get an apartment so we are not having to move constantly. Due to my divorce, I incurred the debt from my ex husband owing money to them after I moved out. 

I got divorced and lost everything unexpectedly. I had just gotten back on my feet and then the pandemic happened. I relied on unemployment as I looked for any kind of job. I have sent out at least 100 resumes a week for everything. I am 56 which makes it difficult to change careers. I would like to get a surgery tech certificate when things settle down for us. Right now it’s about surviving. 

I understand that these are very hard times for everyone. I hate even having to do this but I don’t bc know what else to do. I am grateful to anyone who can help us. If you have any questions about anything please don’t hesitate to contact me. 

Edit 12/28 

This morning my front tooth broke in half. I have neglected my teeth because I could not afford Dental Care. As a result they are in really bad shape. I know it will be expensive to fix this and to save my teeth. I don’t have the money or resources to do so. It’s not just a vanity issue. I will admit I feel very self conscious about my teeth. I don’t know where to even start. Every place I called does not have payment plans. I would have to apply for a medical credit card. I can’t do that right now. My credit is a mess due to a divorce plus getting behind on my bills due to being unemployed. 

Let’s hope that 2021 will be a better year for everyone!