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I'm 22 years old and make a 21k annual income working full-time. I live check to check while living with my dad who also lives relatively check to check. We both have 0 in savings/emergency fund.

My old car went poop, and I bought a 2017 Toyota camry 20k miles for $23,000. I was able to get it with my dad's name on the car too. We put 0 down and my payment is $545.00 a month. The Kelly blue book trade in value is $12,000. I still owe $22,000 and have had the car for about 2-3 months

I'm very late to the party, but I realize I just took a giant shit on the floor and stepped in it. Please help me save myself while I possibly can.



Submitted May 29, 2020 at 09:08PM by Tylerababwa https://ift.tt/36Ituu7

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