Government Grants To Help Christel With Multiple Disabilities Build Legit Home Business
by Christel Wintz
(Tualatin, Oregon, USA)
My name is Christel. I'm a 39-year-old female living with my family in a one-bedroom apartment in Oregon.
I have had three children. My first-born died of heart and lung trouble. My other two children, a boy and a girl, are special-needs children. My son is more disabled than my daughter.
My kids live with my parents currently, but I would like to have them back in my care. To do so, I need at least three bedrooms and to be more on my feet financially. This is one of the reasons I need money.
I was married once before, but it was an abusive situation and my ex almost killed my daughter and me so I got out of that situation. The children are his; however he does not get to have them alone.
I have them at least a couple of days a month, but that is not enough.
My current husband would like at least one child of his own, but I had tubes tied due to the situation I was in before.
I have one dog, a girl named Daphnie. She's a Chiwienie.
My husband is also disabled. He had a brain tumor as a child. The location of the tumor and the chemotherapy have negatively affected his eyes and cognitive thinking.
I have completed college, but never got a job in the area I was trained for.Disability Issues
On my mom's side of the family there is a form of macular degeneration that is passed on as a child. You do not go totally blind unless you have surgery or trauma to your eyes and I inherited it.
It gets worse with age and stress. It originally showed up when I was five, but then lay dormant until I was 16. I have never been able to drive because of this.
After my daughter died, I needed to get out of my apartment, so I tried to get a job. After my interview, while I was walking on the sidewalk, a drunk driver ran me over… twice.
I was told I would never walk again. I was in a wheelchair for 1-1/2 years. I lost 20% muscle mass.
I have since had two back surgeries. The first one was not too successful. The second one was done much better; however I am still in constant discomfort and pain.
I have since been diagnosed with arthritis and fibromyalgia.
Finally, bladder issues have resulted in leakage and keeping me in the bathroom all the time. Most jobs will work around one or the other issues, but not usually both and definitely not using the restroom constantly. Getting and keeping a regular job is pretty much out of the question.
My husband and I both receive Supplemental Security Income, but it is nowhere near enough to live on. Our total for two people is $1,078.
We could receive more if we lived in sin and were not married.
I cannot get Social Security Disability because I have not worked enough outside the home. I worked for my parents long enough, but there is no record of it.
When I did get a job, it didn't last long due to my disabilities. It was either because I could not see well enough to do the job, or because of my back injury and needing my second back surgery.
I need money to get out of debt so I can breathe and not constantly have to live on credit cards, which gets us deeper in debt.
I need money for dental procedures. I cannot remember the amount because it has been a while since I was told the procedures and amounts not covered by the state insurance.Income Efforts
I worked security for a couple months after getting married, but the operation was shut down due to trying to impersonate a police department and also financial and tax fraud.
I have done other odd jobs over the years, but none lasted for more than a month.
Since I do not have much experience, most of the jobs are more physical, and I cannot do those.
I have tried multiple times to start a home-based business, but most of them require at least $200 to get started, or a lot of times end up fraudulent.
We want our own home-based business, but do not know how to get it out there to the people who are capable of buying our products. Most of our friends and family are in the same boat as us are financially, so I need to get it to people who do have money.
I have tried to get loans to make our payments more doable by making it one lower monthly payment with only one interest rate instead several payments of large payments with several interest rates.
We are paying around $600 a month with the lowest payments to our creditors. This barely covers the interest rates and some of the actual bill.
No loan companies will help us because they say our debt-to-income ratio is too high. The irony is that if we could make just one payment to just one company, that same debt-to-income ratio would be acceptable.
We have tried a debt management program, but the amount they want is pretty high and makes it difficult to pay our other bills plus we want to keep at least two credit cards for some of our bills and food.
We receive cash benefits instead of food stamps.
We're on Section 8 as far as housing is concerned.Specific Needs
I would like to receive Social Security Disability. I was told that if I have at least one parent receiving it, then that means I could also receive it since I do not have the required work time in.
I would like to get a loan to pay off my debts and have one lower payment, along with any other help available to me.
I'd also be interested in any grants for starting a business, getting medical help, maybe getting help with bills or getting my own home and my kids back.Business Idea
My husband and I signed up with a company called Vollara which is a Christian-based company that sells products that save the environment, cleans the air in your home, gives you cleaner water and provides all natural vitamins and minerals.
Unfortunately, these products are priced beyond the budget of our family and friends. This is why I was talking earlier about having help getting it out there. I know a lot of people would protect the environment if they could do it with an affordable, easy-to-use product.
I have other ideas, but do not have them all quite complete in my mind and have no idea how to put a business together.
That is all I have for now. Sorry it is so long. Thanks so much for hearing me out.