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Hello everyone. I am Reuben Rafael a 20 years old IT student who is begging and pleading for help.
We are in a crisis both financially and mentally to the point that it is very suffocating. We are a family of 5 that is currently in debt of at least PHP400,000. I know this is a very big amount and is hard to get, but please any amount of help will do.
This debt started way back summer of 2013 where our house burnt to the ground. It was a horrible and traumatic experience mainly because all the hard work and hard-earned money of my father and mother just went down the drain like it was nothing, the hardest pill to swallow was that it was at its finishing touches. (We didn’t sue the person responsible for burning our house down since they are family and they were also in the same situation) So because of that we were lost and confused as to what we will have to do, me, my little brother, and my cousin were forced to sleep at our relative’s place for months while our parents were scrounging up the things not lost to the fire and searching for people who can lend us the money to repair it back to at least a suitable house. Thus we incurred a debt of at least PHP1.5M but it was still a doable loan since my father was a civil engineer and my mother was a government employee their monthly salary was enough for the interest (The interest wasn’t that high since most of it was from our relatives and the government loan was just a deduction of salary) It was all fine and dandy and it didn’t affect our lives by a big margin but the scar and mental trauma it left was very big. Moving on, They both faced lots of trials and challenges; 1. How I became an immature, deplorable, immoral brat(from 2014-2018 since I matured and understand how hard it was for them when I turned 19); 2. How my little brother became clinically depressed(from 2015-2021) and was often bullied at school(from 2011-2017 he stopped going to school because of it and get gets anxious around other people and we didn’t know it until 2016 because he was still having good grades, being at top of the class and he was always so loving towards my mom and dad); 3. how there was a family feud between my mother, uncle, and grandfather; 4. How my grandma got a heatstroke (2018-2021). But even after all that they still managed to push through and persevere and the fact that we were almost debt-free was a great indicator of how much they worked hard but it changed when my father got a mild heatstroke (2019 and still recovering till this day but his situation now is much better than my grandmother) so my mother didn’t have a helping hand to pay off the debt plus the medications for my little brother and father was also slowly nibbling away our resources and forced us to get loans. The final nail to the coffin was Covid-19 since my mom had to stop going to work for a few months because of lockdowns and thus cutting off our source of income and forcing us to get loans just to pay for the medications and our monthly expenses, because of it I stopped going to school and is currently living at my grandfather’s house and help him nurse my grandmother and also to reduce the amount of mouth my mom has to feed. I took some freelancing jobs since I have basic knowledge of web designing and programming along with my friends but that still proves to be a challenge since we are still not consistent and competition was very high because we are still new. Our debt which was PHP100,000 in 2019 ballooned to a suffocating PHP393,000 with an interest that we can hardly pay because we don’t have a stable source of income and after having a heart to heart talk with my strong mother who broke down in tears in front of me, how she had thoughts of harming herself just to end the pain, but still smiling and comforting me how she still has hope that we can overcome it and pray for our safety, I was then slapped by how heavy of a burden my mother was carrying behind her back. Because of it I decided to try and get loans but because I don’t have a stable job I cant apply for one, thus here I am, asking and pleading to everyone to please help us through this crisis, help me buy time for me and my family because if I can pay off the debt, just the debt, my freelancing job – though not stable – can help pay for the meds and our living expenses and help us through the months that will pass by and after covid is done and my mom can return to work we can then have a stable life.
This is the link to the site
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