My name is Lois Ryan. My Husband is Thomas. We have two girls Mary age 11 and Marissa age 10. My husband and I have been married for 12 years. We live in Binghamton, New York. I work for World Kitchen Incorporated. I work in a factory in Corning, New York that makes Corelle Ware. My husband works for Albert Torto Construction, which is a local construction company in Binghamton. He does work mostly on roads and highways. Mary is starting middle school this year and Marissa is in elementrary school. Mary is very athletic and plays softball and may try some other sports. Marissa is very intelligent and prefers workng with computers than play sports. It is hard to believe that she has been labled as being Autistic. The reason why I have started this website is to ask for help. And I appreciate it very much if you read this page and if you are unable to help us, forward this to someone who may be able to help. My husband and I both make good money with our jobs. However, we are finding that we are struggling between paychecks in getting bills paid off. Most of the problems came from repairs that I had to make on my blazer. Since May I had to get a new fue pump, had two wheel bearings replaced and had to get a new battery and two new tires. It is also due for an engine tuneup and my check engine light is on. My husband and I have a couple of bigger bills that we are able to pay each month. Our mortgage payment, his truck payment, a personal loan payment and my blazer payment-which I only have acouple more payments left (thankfully) We have been able to make these payments with no problem but we have other bills that we haven't bee able to get paid off and those keep adding up. I am asking for help wth these. If people are willing to help me out I will first use the money to make sure we are current on our regular monthly paymens. hn with the left over money I will work on one bill at a time-we will take care of any thing that is high interest first. I did not say how much we need for these bills. I will leave that up to you. Pray to God for guidance and you will see in your heart how much you can send. I am an honest person. If peopledo help us out I will not use the money for somethig like a cruise or an expensive luxurary item. I will keep you updated on if I get any donations and what I use the money for. I will include your name and state in my updates (if you want more information for me to share just let me know) If you want to make a donation: You can either send a payment to http://www.paypal.com use my paypal email: karateblackbelt7@webtv.net or you can make a payment to: Lois Ryan (or Thomas Ryan) 66 Mill Street Binghamton, NY 13903

I drive 60 miles one way to work. Therefore, I spend $70 a week in gas. If some people can send me Mobile gas cards (maybe enough for a few months supply) Then the money I normally spend on gas can be used on bills. And my husband and I can more or less stay on track, maybe taking care of one bill at a time. Note: Most of the jobs in my area pay just above minimum wage. That is why I travel such a long distance to work. But as some of our debt is taken care of, I actually can take a cut in pay and find something closer to home. Another way to help is if somebody is willing to pay off my blazer payment. I only owe about $1,700 on it. With this payment gone, I can use that money on other bills. This is a $450 monthly payment I don't have to worry about any longer.

I just started this website and this section will be updates for people who make donations, what we use the money for and updates about our financial situation

10% of any donations we receive will be given to our churches I will give 5% to my church The First Assembly of God and 5% will go to my husband's church Saint John the Evangelist. When we get more or less on our feet, we can either pay the generous people back or help other people with their bills. So this section will be on people we are able to help out

I can be contacted at KarateBlackBelt7@webtv.net Also if you help us out, we can pay you back over time or we can help somebody else out