I don't know what to do. So I'm going to ask it here since none of you know me and can probably give me an impartial answer.
Hurricane Sandy hit us pretty hard, but we're getting by right now without needing much help. We were lucky that our house was only partially destroyed so we still have a place to live.
Meanwhile we have hundreds of friends on Facebook and IRL that keep asking "What can we do?" or "What do you need?" or "We want to help in any way we can." And my wife and I have been telling them "Thanks, but we're fine right now. We don't really need anything."
My big concern is, when the insurance companies settle everything and tell us they aren't going to help much with repairs and repurchasing all the stuff we lost, that we're going to be broke. And by then, since we've refused help from people, they won't want to help any more.
So my question is, am I doing my family a disservice by refusing to accept help from people offering it? Since we mainly need money for repairing or replacing stuff in our home, should I just be telling my friends "We need money" because that doesn't feel right to me. I was raised to not accept hand-outs from people. I'm just worried that, without taking charity we're going to really struggle.
What should I do?