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A hardship fund forAllie P

$0 given of $22,150 goal

Help-Upside Down on Car

Started by: Allie P

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Hello,

 

I don't even know how to start this. I never ask for help. I feel ashamed and defeated even asking. I'm stressed out because I'm upside down on a car that is sucking my hard earned money. I'm not someone who lives a lavish lifestyle.I work a civil service job. I live in a small apartment with a roommate who splits the bills. I do not purchase Coach handbags, designer clothing, or brand new Iphones,my current phone has a cracked screen but works. Since I was 16 I started working. I'm now 27. My first vehicle was a used suv Mazda Tribute that turned out to be a consistent mechanical nightmare. I traded it in, got a 2004 Chevy Blazer. I paid that vehicle off. Then a few months later I hydroplaned and slammed into a concrete barrier. Using what money I received. I purchased a used 07 Honda Civic from a friend.Thinking it was a good idea. I over paid and dealt with so many problems. When it rained outside it rained inside my car, the radiator cracked I had an oil leak,the A/C didn't work. I paid it off and paid for its repairs. I decided enough was enough. It was time for something better. I always wanted a truck. 3 cars later, and getting older I deserve this right? I purchase a new Toyota Tacoma. Im convinced the monthly payment is worth the vehicle. Long story short I end up pregnant with my long term partner. He bails tells me he wants nothing to do with our kid. I go into panick mode and try to redo my finances to be a single parent. I trade this truck in and roll my debt into a 2015 Toyota Corolla. Why? Because I thought the lower payments would be worth it. My child was more important than the deadbeat father. I've now taken at brand new a $16,000 car and turned it into a $24,000. Life is cruel... a few months later I lose the pregnancy. Deadbeat is now gone. I'm left trying to make sense of life and paying this car I never wanted but made sacrifices for the difficulties ahead. I made stupid decisions. I should have never bought that truck and had a back up plan. I don't drive a Mercedes, or a top of the line anything, I made a stupid choice out of an extreme circumstance to me. $1, 50 cents, anything would help, everything else in my life I can handle but this stupid mistake won't go away for a few more years. I don't expect any sympathy I'm sure there's millions of people that are like so what? deal with it. But this is my story and I'm asking for help. Thank you.

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