I was going to tell you all about how I ended up in this pickle BUT I didn't think this was an appropriate place to share the intimate details of my life! Basically, I need to raise a substantial amount of money to make various home improvements without getting into further debt. I care for people professionally but, unfortunately, it doesn't pay very well. I'm hoping that some caring Karma will flow here. It will take 11 years of saving to enable me to achieve my goal. I don't have that long. It gets frightfully cold in here.