Good day to all, this is my first time using a service such as this, so I may not know all the ins and outs, please forgive me.

Several unexpected expenses have us struggling to keep up with our payments for this month (November 2025).

Repairs to our family vehicle, an increase in electricity rates and damage to our roof are a few of these.

Current expenses (USD):

Utilities $300

School Fees: $350

Auto Repairs: $500

Medical Bills: $300

Insurance: $750

Home Repairs: $1000

Mortgage: $800

These costs don't include things like groceries, vet bills, home maintenance, fuel and food, etc.

I believe with assistance we should be able to balance our costs in December.

Our child has been diagnosed with ADHD and Autism and just appointments with suitable specialists are expensive and sometimes not covered under insurance. Public schools are ill equipped to facilitate our child and we ended up sending her to a private school where she is thriving and making friends, though it does cost more.

We live in a developing nation/3rd World Country, so transport infrastructure is not always at its best, thus frequent car repairs, but this most recent bill was more than usual due to damage to several tires and wheels.

We have entered the Rainy and Hurricane Seasons and require repairs to our roof which is pretty dire as I type this and it's raining so heavily I can't even hear my keyboard clacking.

Another unfortunate effect of this is that I have had to hold off on Christmas shopping which is not the experience I want my child to have; the overall timing of this is so unfortunate.

Any assistance is appreciated. Thank you.