So bit of a background I, (21F) got into a really bad car accident when I was 19 in spring of 2023, my car was totaled, I had a bunch of medical issues including a concussion, I was out of work for over 4 months and didn’t have short term disability through work, and didn’t have anyone to help me set up long term disability through the state and was navigating everything even though I wasnt able to use my whole brain and would only be awake for about 4-5 hours throughout the day with naps in-between, i couldnt remember any conversations i had or anything i was saying, my memory was shot and i never knew what time or even what day it was, along with going to physical therapy among other things for my concussion as well. I didn’t have GAP insurance on my car and had literally only had it for 3 months before I got into the accident (also accident was not my fault the guy ran a red light while on his phone and t-boned into my driver’s side door so I got direct impact). I still owed about 3-4k on the car after the payout of the value on it. I couldn’t drive until almost September 2023 when I got another car. If y’all don’t remember in 2023 car prices were jacked because of chip issues, so i got another car and it was about 22k out the door, my credit was shit because this was my 2nd car in a year and being out of work i got behind on my credit cards and some bills i had. So instead of a $300 car payment and about $175ish car insurance, i jumped up to a $460 car payment and an almost $300 car insurance brcause it was 2 years newer than my old car and I was only 19 so car insurance was high. I pay around $220 car insurance now after turning 21 and having it for awhile, but this is where I fucked up.
I had my car repossesed back in september 2024 because my mom borrowed almost $1000 from me and never paid me back like she said she would, and guilt tripped me into giving her money and would cause a lot of issues if i didnt help her and I got behind on my car payment while juggling shared bills, including bills she didn’t have money for and I had to pay for, cause you kinda need electricity and water. I finally moved out on my own to get away from my mom who was financially and emotionally abusing me in January and have been living on my own, im about 5k in debt and past payments on an old electric and water bill, and ive been struggling to pay everything. I am a lot better now physically and mentally but I still have issues with my memory and struggle with ptsd, depression, and anxiety, and low and behold I got behind on my car payment and they repossessed it today. It’ll be over 2k to get it back and I have $18 in my bank account right now. My friend is letting me borrow her car for the next couple weeks but i have an appointment with an attorney to file bankruptcy on Tuesday the 10th. I just cant juggle the car and about $1400 in rent and utilities, thats not including food, the gas i was spending and food/cat litter for my dog and cat. And I left my wallet in my car and cant get it back until Monday, luckily I have Google pay if I really need anything and I get paid tomorrow.
Another issue is I work in sales and am commission based, I haven’t hit my quota 2 out of the last 6 months, if I don’t hit it this month then I’ll be let go so ive been looking for other jobs (literally applied to 10 yesterday) because I have to sell about 70k in the next 4 weeks and ive only done about $6500 😠part of it is my fault, ive been going through highs and lows of depression but a lot of that is this job, the area im in is heavily affected by the stock market and with it being shit right now we don’t have a lot of traffic and im in a spot where we get seasonal traffic with snow birds, they all left so now its just normal state residents and not a lot of people are buying. I also hate sales because I never know how much im getting paid weekly because its off of what I deliver and certain products I sell I make more money on than others. I literally feel numb and am trying to keep it together and get through the day and the next week when i can get my stuff out of the car, including my wallet, but I feel like such a failure and I legit cant blame anyone but myself. I’ve struggled with budgeting and keeping on track and for whatever reason my car payment has been on the back burner in my mind and I ignored it and now im fucked
TL;DR: got myself into a financial shit show and now my car is repossessed
Comments
When I was feeling low and depressed, drug addiction helped. Until It didn’t. Then I got clean and my depression and anxiety are gone. Not the most recommended way to deal with mental health but it definitely helped me in the long run.
Hey! I’m so sorry to hear how badly your cards have been for the last years. Maybe the people at r/personalfinance could help you with budgeting and other ideas for your problem.
Get better soon!
Wow. I’m sorry you’re going through this. That’s really rough. Maybe look into getting on some kind of support for now. These days won’t last forever. Just try to keep your head up and keep swimming. I really hope you get some help soon.
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Get a bike. It’s much cheaper and it will keep you healthy!
Hey friend I’m really sorry to hear you’re going through such a tough time financially and mentally. That must be really stressful but don’t be too hard on yourself stuff happens we all make mistakes. Hope you can get the support you need to get back on your feet take care
Ah that’s rough buddy I’ve been there too it really sucks when you mess up your finances and feel like you’re losing control But don’t worry you’re not alone a lot of us have been through similar stuff just take it one step at a time and try not to be too hard on yourself you’ll get through this
On the bright side, you are still young and, if you have the fortitude, you will come out stronger for all over it. I’m old. I’ve been where you’re at but I always had kids, too. The level of responsibility shifts when you are COMPLETELY responsible for someone other than yourself. Give yourself a break. If you need help, start asking for it. There is help all around. Talk to people. Most places have a central number where you can for ANYTHING and at the very lease, they can give you another number to try. You still have lots of growing up to do. They say the teenage brain doesn’t even stop growing and changing (so much) until after 25. You have LOTS of time.
Holy adderall Batman.
I’d would hire a personal lawyer and sue the guy for damages.
Also, car insurance probably dropped the ball when pursuing payments from the guy
Hey, we all make mistakes and that’s how we learn. You’ve acknowledged yours, now it’s time to fix it. You’ve got this.