We need a new roof!

We need a new roof!  I am self-employed and planned on using my income tax return to pay for a new roof, but I just found out that we are not getting any money back.  On top of that, my home owners insurance has increased each month until I can show them I have replaced the roof. I would re-finance my house to cover the roof cost but I am unable to do so because we are upside down in our mortgage because of the real estate crash.

I work very hard to take care of my family, but I find myself in the position of not being able to take care of something that is very important.  When I heard about GoFundMe, I decided to give it a shot and ask for help. Thank you so much for considering helping my family.