You also clearly have access to an internet capable machine and, apparently, a job as you are paying your debts. So you're already better off than millions of u

You also clearly have access to an internet capable machine and, apparently, a job as you are paying your debts. So you're already better off than millions of unemployed and truly homeless people who have neither of those advantages. You also seem to have a sound command of the written word, meaning you are educated and mentally sound. Two more advantages lacked by many. So in your case I feel certain that a little extra cash would go a long way, even though you seem to resist it. In the case of others, it's amazing how far a warm meal and a place to call your own can go. I did charity work setting up computer systems for a free clinic and they also worked to find homeless people housing and honest, safe work. And these people who were mentally and physically able to work (true homelessness is devastating to the mind and the body) could turn their lives around and enter society much more easily if they could also afford some counseling and some basic luxurious that most of us really take for granted.