Hello my name is Joe and I never thought I would see myself using this site. For the last three years it's been tough, but I managed. Covid hit us hard with my wife losing her job not being able to return due to knee issues. It really hit hard this year. Had to replace breaks in one car, thermostat in other car. Had to fly my wife to Florida to assist with her mother. And with everything getting more expensive I had to get a couple high interest rate loans. I have managed to keep up but this month was terrible. The money will pay those loans off and I'll be able to breath again. Please help if you can and please don't look down on my downfall. Thank you.