Hey there =) I'm Silvano, I'm 24 years old and I'm begging you to help me with some different stuff than the rest on beggars. The situation is as following: I live in Switzerland and im an aprenticee as comercial clerk (or secretary if you want to). Originally, my native language is German, but for my job English and also French are very important since I'm working for Nestlé. That means that our clients and partners come from all over the world. Sometimes they even come from India or Sri Lanka (they're almost not understandable by the way ^^, but I think they're very interesting people due to their beautiful culture). I really love my job since its an amazing opportunity to see the rest of the world (America included in case you may want me to visit you some time :-)). And there begins my problem. Since im working and living in Zurich, a very expensive city to live in (it's comparable to New York and London, says Credit Suisse) i'm in financial problems. I didn't choose to live there, but there's no other possibility since I start working very early in the morning when no buses or trains are available and a car comes definitely more expensive than a flat in the city. To achieve my qualification, a diploma in English and French is needed to get access to the final exams. I gladly managed to get the tricky awful French (yes, I hate French, I hate it so bad, I don't even know how i managed to graduate it^^) but I now have to accomplish the English part. Because I'm already in debts by any friend of mine and my parents both aren't living anymore (they had an accident when they were climbing in the Swiss mountains in my teenage years), so there is actually no one to ask for money left. The clue is: If I don't manage to get the fee together, i cant start earning my own money, even if I speak English well enough (as you may have noticed), and get out of my financal problems. Im always making the best of my life and I guess your not thinking of me to be a depressive person =), but I just can't get out of this situation without your help. The fee for the Cambridge First Certificate English (FCE) is 360 Swiss Francs which means arround 405 US-Dollars If there is anything I can do for you (as an Example translate something into German) - just let me know =). Im not one of those who just beg and then don't care. So anyway if you donate or not: I wish you a good time and thanks for reading =). Also thanks alot when you decide to donate =) Greetings from Switzerland Silvan

Hey everyone my name is Nicole, I am proud parent of three beautiful little girls. My daughters and I have been having a tough time getting by since my husband died in the 2009. He was a proud member of the U.S. Army. Which is the way I lost my support system. I was employed for Ford, but due to lack of childcare, I had to reduce my hours from full time to part time. Which after two shift changes I ended up being let go. Due to performance regulations, which in my opinion they were just tired of me having personal problems (my girls) Now I'm barely make it. I know this is a long shot, but I would really appreciate it.

Hi im a 28 year old mum of 4,a few months ago I found out my kids dad was cheating when he left me and our kids,he took almost everything including his own kids beds to set up home with someone..iv tried my best to replace stuff but im struggling just to get by,iv tried my hardest to get some csa but he just dont pay,my kids are 6 4and 1 and had a hard time since they were abandoned just wish they at least had a bed...any help big or small will be totally greatful for thank you.x

I am an idiot when it comes to credit cards.. A year ago I had just a savings account, now I have 4 maxed credit cards totalling $10,000.... I get half a dozen calls DAILY from the banks requesting a payment but I just can't keep up with the interest charges!!! I totally know it's my fault, but I have cut all the cards up and I really want a fresh start. I have contemplated a government issued loan, but that will leave a mark on my record for 7 years, and the loan falls under the bankruptcy act! I'm only 23 years old, and having this on my file will stop me from progressing any further in life for almost a decade! Please help me out, so that I can sleep at night and have the banks off my back. Thank you

I lost my job back a couple months ago when the company closed down. I've looked nonstop for a job but haven't been able to find any work. Now my savings are gone and I have no money. I have credit card bills, car payment, house bills, and I don't have the money to pay for it all. I don't want to ruin my credit. I thought I would find a job by now but it has been tough. I need $500 dollars to get back on track. Any help is greatly appreciated.