Hello potential supporters, I am Ricky Freden of South Yarmouth Ma, asking you to help me get back on track from the financial nightmare I have gotten myself into. Friends would describe me as a workaholic and a warm hearted person; Someone who would offer his own shirt off his back to help a person in need. Now that person is me. Crazy to believe that I was able to buy my cottage back in April 2007, Just weeks before my 21st birthday. The greatest accomplishment at the time, A reason to be proud of myself. After graduation day you would assume a person fresh into the world would go grab a college education to better prepare him/her self for the future; for life. Times were tough back then, a transition to the working world.
Work ethics was something I learned early on from my father; a supporter of 5 kids and a lovely wife. Times got tough after my mom died and he held down 3 jobs to make sure we didn’t go without. What do i want to do with my life. What would I be getting myself into? A never ending debt. Not every family is the same. Not everyone has a home to fall back on and go to when life isn’t working out. Things I noticed friends and distant relatives doing. I didn’t have that luxury. My life was always work towards something and enjoy the ride. With each pass and turn, I have steered myself well and self sufficient at that. Working 2 or 3 jobs at a time to survive this crazy adventure through life. No one ever feels that they would ever be subject to job loss or reduction in pay, but it happens.
What I have learned about living on cape cod is that the seasonality hurts the efforts of finding a replacement job. In my case, I at least had a nice part time job to help me out; Friends to call on for support. Yes it has been a continuous struggle to stay a float through the hard time. I have contacted the mortgage company and trying to work with them, but its hard working with a company and not a bank directly. To the mortgage company, I am just a account number and that’s it. I have also went the route of a roommate, but that ended before it really began. Can’t trust anyone not to steal from you when your not home. Just another inconvenience and money spent to replace door locks and fix broken windows.( I know from two past experience.) Last resort on that part was to sell the place. Problem is that I owe more than it is worth. This is where I stand now. I have found a full time job and a part time job, but still isn’t enough to pay bills and catch up. I have already checked my budget and got rid of the non essentials like cable, eating out, and spending money foolishly. Still not enough to offset my burden.
No one can say that I am not trying to fix and get back on track because I am. It hard for some people to see my struggles without actually living it or been by my side for the ride. Some people would say that i deserve what I am getting and that I don’t deserve the help from anyone. Well, I would say to them that I don’t give up and I always find a way to stand on my own 2-feet. No one asks to be put in a situation like this. Even if I had a college education, rainy day money, and another job. Stuff like this happens. You can only be as prepared as you can and use the resources given to you. The support from friends and family and even the community are resources that I can rely on now moving forward.
Donations will be put to use by paying off outstanding bills that have accrued interest and late charges. After that, all will be deposited it in a saving account and let it grow interest till the time I really need the money. House repairs or any medical issues come up. Any donations would be gratefuly appreciated. God bless you.