At 63, Sarah* worries about losing her home. We are seeking to raise $5,633 to help secure her housing stability while she works to rebuild her life after falling victim to devastating financial scams.

Sarah’s Story

In 2015, Sarah’s life took an unexpected turn when she became a victim of a religious-based scam. A seemingly trustworthy acquaintance convinced her to invest in a rental business, resulting in a devastating loss of $160,000. While the perpetrator served time in prison, Sarah was left with substantial debt.

Despite this setback, she persevered, taking on part-time customer service work. However, managing her diabetes made physical work increasingly challenging. In another cruel twist, she recently lost her remaining life savings of $40,000 to another investment scam in 2025.

Having been widowed at a young age, Sarah manages her diabetes while carrying a heavy burden of debt on her own. After a lifetime of consistent payments to HDB towards ownership of her 2-room flat, losing her life savings meant she could not pay off the $5,633 remaining on her mortgage. Yet, her spirit remains unbroken.

A Path Forward

Rather than surrendering to despair, Sarah is actively working towards rebuilding her life. Enrolling in sponsored AI certification courses and social media marketing classes, she is developing a new skill set to forge a path out of financial instability. Amidst financial hardship, help Sarah ensure her monthly housing payments of $218 are met.

Why We Need Your Help

Your contribution will not only directly prevent Sarah from facing potential homelessness by covering critical house payments but will also provide the crucial stability she needs as she pursues her education. Every dollar your donate supports her journey toward financial independence, giving her the peace to focus fully on her recovery and skill development.

Our Commitment to Transparency

Ray of Hope is dedicated to ensuring that 100% of your donations go directly toward Sarah’s housing loan payments. With regular progress updates, you can see firsthand how your support is transforming her daily struggle into one of growth.

A Personal Appeal

“Despite everything, I haven’t given up,” Sarah shares. “I’m working hard to learn new skills and create a better future. But right now, I need help to keep a roof over my head while I get back on my feet.”

Join us in securing her home and restoring hope – your support is the first brick in the foundation of a new beginning for Sarah.

*All personal details have been modified to protect the client’s privacy while maintaining the authenticity of the need.