Grant Funding For Wife With MS To Enjoy Debt Free Golden Years With Husband
by Julie Scott
(Worcester, MA, USA)
I am a 62-year-old female living with my 75-year-old husband in a ranch-style home. We did modify the house over the years to accommodate our needs.
We raised two boys here and hope to stay for a while longer. The boys are grown and the youngest is in graduate school. His brother chose a less educational route. After living here for 20 years, we still love everything about it.
Multiple sclerosis (MS) overtook my life more than a dozen years ago with unexplained dizziness, double vision, sensitivity to extremes of heat and cold, as well as frequent pins and needles.
Within three years I began working from home using my certificates in bookkeeping, accounting, and tax preparation. I obtained disability status early on and was given a bit of SSDI with Medicare.
The desire to work is stronger than my desire to be MS disabled. I still have my teaching skills and my Master's in Communications, so I made the decision to write with a focus on personal finance.
Mentoring others fell into the greater scheme of things and I also learned how to make ugly little websites.
We just reinstated our mortgage after a pre-foreclosure experience. With loans from everywhere (family, friends, banks, credit unions, etc.), we JUST brought the mortgage current. Unfortunately, we don't have any money left and owe money to everyone from everywhere.
Our lender wanted a May 1, 2013 monthly mortgage payment. We have the house payment and two small loans from the credit union that we would like to dissolve ($13,212). My now sporadic writing income and my husband's part-time job income need to pay delinquent utilities and chip away at the other loans.
My desire for an electric portable scooter has been a back-burner item for quite awhile. It won't matter if I stay homebound for a while longer. We need to resolve our household debt so my husband can enjoy his golden years while he still has the spirit to do so.
Since I covered this as part of my dissertation above, I'll be brief:
1. We are making our third attempt at a loan modification with our lender.
2. After he was forcibly retired ten years ago, my husband found a part-time job to earn extra money. Our lender contends that we make "too much money" to qualify for a lower mortgage payment. Yeah, right.
3. I wrote several books and self-published them. I am still writing freelance for anyone who approaches me. I have a good reputation and I try to relieve the stress factor by keeping my work load light.
4. Over the years, I have approached various organizations for writers with my requests for grants and free money. We got help replacing our hot water heater from one request, but not so lucky with other requests. Self-published writers are not seen as equals with published writers in the writing world.
We need some money or a source that will pay off the two bank loans and one month of mortgage payment I mentioned above. The other $6,000 we might be able to handle - by the skin of our teeth.
Our fear is that the IRS might require that we pay income taxes on any money we receive. It is unclear what the answer to this dilemma might be. If anyone knows, please tell us.
I have a website where I write on freelance writing topics for beginners. It is my dream to learn to put together salable, small websites instead of pathetic, ugly ones that sell for less. The courses are online, but they are still beyond my pocketbook.
I also have given some thought to becoming a certified grant writer. With many non-profits and universities in my city, there are opportunities for someone like that to turn a profit while doing a good deed. It might as well be me.
MS runs in my family and I would like to be in a situation to help others stand on their own two feet with dignity and a sense of purpose. Right now, I am limited in how I can help. I'd like to explore this further, but I need to keep writing right now.