Hi HN, long-time contributor with ~1500 karma; throwaway for obvious reasons.
When I used to see these posts, I always was thankful for the position I was in. I never hesitated to send a personal message with my regards and best wishes, and most of the time I'd include a small bit of help. I'm hoping this all comes full-circle, because I desperately need it.
Let's not make this about financial planning (it's otherwise pretty good) but a client has just told me (after telling me they were waiting on a third-party...) they're unable to pay their invoice this month and it's put a strain on me.
About 2 years ago I had an excess of $100k in my bank account. As someone in their early-mid 20s, I was doing very good. I don't live lavishly or have super nice things; I'm pretty frugal and basic. But after some hospital expenses and some very bad luck, I'm down to less than $1k in my accounts, and my assets are non-existent as, well, they never really existed in the first place.
My stack is Ruby/Rails, HTML/CSS/jQuery (yeah, I know), and Sidekiq for background jobs. I can integrate any API or build them quickly. I've scraped more websites than I haven't, and I'm pretty good at it. A JS framework (likely Vue or React) is in my New Years Resolution. Point being, I can get things done and get them done right. I can also consult on SEO, copywriting, marketing, and a couple laughs if need be.
I'd prefer to stay publicly anonymous; I can send over some samples of work via email and we can jump on a call/Skype/hangout/whatever.
I know this won't be met with some of the kindest thoughts; remember, everyone has a story. Some of them are prettier than others. At the end of the day, we're all human.
Again, to reiterate, I'm not asking for hand-me-outs; I can't morally accept them. I'm not asking for a loan. I'm asking if I can start hacking away on that project you've been putting off.
Email: q3qjbo9iku2aipq@jetable.org (forwards to my personal)
If you have a Freshbooks account and you use it for sending your clients invoices, Freshbooks has recently partnered with a company called Fundbox which provides advances on your outstanding invoices. I'm not sure what kinds of qualifications you may need to be offered this service (not sure if account age or previous activity plays a role, I've used Freshbooks for a long time before this advance service was put in place), but any invoice under $1K is typically available for an advance immediately. Repayment is on a weekly basis and the fee is rather reasonable compared to the payday loan and title loan services you see advertised to "help" the desperate. You can add anyone as a client with nothing more than a name and an email address and you can send them an invoice instantly. The account set up for Fundbox is literally just connecting your bank account for them to ACH to you (inbound is about 2 days) and for them to automatically pull their weekly payment out. And, you can repay the entire loan at any time with no penalty.