The Howard Family

Hello Family,

This is extremely hard for me to make a fundraiser like this... As the man of the family and provider for my wife and son, asking for support can sometimes be the most difficult thing. However, being a firm believer in Jesus Christ, I know that in the bible, God makes it abundantly clear that being prideful is not God’s will for my life. So, it’s time to set aside the pride and admit that we need help. 2022 was an extremely tough year financially for our family. In January 2022 I took a leap of faith and left my job for a more stable state job. At the time, I knew I was taking a severe pay cut, but that the pros would outweigh the cons. I quickly refinanced my house, took some equity out, and purchased a fuel-efficient vehicle to help cover the loss of income throughout the year. This seemed like the best option while I got into my new job and waited for the income to catch up. Unfortunately, I underestimated the number of deductions the state takes for retirement and other things. Although this is a great thing for me 25 years from now (retirement), it has cut my paycheck in half making it nearly impossible to afford our monthly bills (mortgage, electric, gas, water, groceries). We’ve cut back the budget to just bills and necessities and we still can’t seem to find the other side. I’ve had to put groceries, medical bills, and veterinarian bills on credit cards, which has racked up credit card payments and debt. Also, we have sold many items in an effort to make some money on the side, but we ran out of things to sell. My wife is unable to work because we can't afford child care for our son. All in all, I need help paying down some of these credit cards to reduce the monthly payments. I believe this will help me get my head above water to start working through my budget and making more adjustments to cover the loss of income. This money would go towards paying down the debt that is owed, which ultimately helps keep a roof over our heads and puts food on the table. My account balance is below 0 and being 30 years old, it has been a very long time since seeing that. It pains me to admit it, but our family needs help, and the well-being of my family is more important than pride. I am trusting God will provide for us, whether that is through this GoFundMe campaign or by other means. God bless and thank you.