AaronOct 28, 2024

Please boost for reach.

Trying to build up the courage to call the bank. Tomorrow is the deadline to set up a payment arrangement, or else they will repossess our car. I had really hoped to make this call with the knowledge that I would have a first paycheck coming in in two weeks, but that's still not the case. This last 9 months has been one extended torture session, with no end in sight.

You know it's bad when you have to stop to cry multiple times just to write out the words. Please help us if you can.

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Show threadAaronOct 28, 2024
We technically have enough to make the payment now, but we'll only have $130 left to live on for IDK how long. I've got major decision paralysis now. Do I save the car and take a gamble on food, or lose the car for sure and be sure we can eat in the near future. I could use some advice.
Show threadKevin DavyOct 28, 2024
@hosford42
Can you do what you need to do, without a car? Either by using public transport, or by other means. A car, no matter how little you use it, is still a major ongoing expense. If you can't then, I'm afraid you must gamble.
Show threadAaronOct 28, 2024
@pathfinder Idk. The kids could probably start riding the bus, but our grown kids depend on the car to get to their jobs, too, and there's nobody else local to lean on. It's a small town so there's no public transportation to speak of. And having no car would remove any chance of taking a job that requires me to commute, as opposed to working remotely. (Remote jobs are harder to come by.)
Show threadKevin Davy
@hosford42
Sounds like you are stuck with the car, then. Have you thought about using the car as a source of income? Certain jobs, like delivery driving are often available, even if only part time. It could provide at least some respite.
Oct 28, 2024 at 11:00pmWeb
Show threadAaronOct 28, 2024
@pathfinder Yeah, I did that before, when I was younger. Delivered pizzas in my car and ruined it to pay for it. But we already let the insurance go because we couldn't afford it. We would have to tack that bill back on, which would mean having money up front to get access to the income, assuming it would be enough to be worthwhile.