Been in a financial ditch for almost a year
Many months ago I came on here and told you guys that I was a caregiver and was so tired of the job mentally and financially ($11/hr then went up to $13/hr) so I decided to go to a temp agency for housekeeping for more money ($15/hr) my bf took my phone while I was sleep to use it and never put it back he also slept in the living room . He does not wake up to alarms and my alarms was going off and he did not hear it . I had work at 8am and it was 10am when I woke up and went to the living room and the alarm was just ringing while he was sleeping and I got fired . Everything went down hill since then and that was in September. I applied for unemployment and October I found out I was pregnant. We doordashed together but it was just enough to cover car payment. I was so in my head that I felt like i was just going to collect unemployment and use that money to focus on becoming a notary . . I was dumb for that . But unemployment denied me . Income tax came around and me and my bf (also my kids dad) split the money down the middle . I used my half to catch up on bills (car note, insurance , pay a citation , buy laptop for notary, pay for notary , pay $500 so my car don’t lose its registration, and I was the one paying for our food when we was out doordashing and got hungry . (Family of 4 and was pregnant) also bought parts for my car so it can get fixed . He gave me $700 for the car and spent the rest on bullshit . Fast forward I started applying for WFH jobs EVERY SINGLE DAY and every single job moved on to the next candidate. I Dont know how to make a good resume I’m not smart enough but I did use google and TikTok to help . So I gave up and gave birth to my son . Once he turned 6 weeks (last week) I applied for some local jobs that I can walk to (at most 30 min walks) and the hospital called for an interview on the 8th . My bf finally decided to get a job but he quit/or got fired because one day he was dizzy and the manager at the time didn’t give him a break . Before then he was giving me his checks and letting me pay for our bills but since we been broke for so long we are playing catch up . I couldn’t afford to pay my car insurance so now I have a week to pay $500 and show proof of insurance or I have to turn my plates in for 3 months . I have rent and other bills . I missed this months car note . My question is should I just turn my car over ? I understand I still have to pay on it because it’s a loan but do I have to pay the principal and interest or how does this go . I really Dont want to let it go because I need a car in the tow I’m in but if I have to let it go in order to go back to how things were before and to make it easier on me at the time then I’ll do it . And try to save for a cheap car that I can afford .
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