Throw away here.
I need your advice.
I have about 30 dollars in my wallet.
I am unemployed and have been actively seeking employment for four months. I am in the midst of several second and third round interviews for various positions, so that looks promising.
Here is the problem.
I owned my own business in 2015 and made enough money to buy my own car without a cosigner. My exwife ruined my credit in 2007, so when I got approved for financing, I wasn't thinking properly. I bought a 2012 acura TL for 22k. I bought the car in VA. Monthly payments were $584/ mo. My rent at the time was 1700/mo. I was single and having a great time.
Then I met my current gf, and now we have a child. He is now one years old. We relocated to GA, and now I have since shut down my business because i was never home. I have since gone through all of my savings (about 11k) I mistakenly spent six months unemployed spending my savings to spend more time with my son.
Now, I have since figured out that my interest rate on my acura was 20%. I have been paying almost 600/mo on a car that isn't that great and now I owe more on it than it's worth. In fact, because of the interest, I owe more on the loan than I have originally taken out.
Now i'm literally broke, and am about to have my car repo'ed. (it's 74 days past due) I can't afford rent this month, and I spent all my money to buy food for my son.
I know what it's like to have little money, but the stress is ridiculous, and it may break apart my family.
If I don't have a car, it's hard to land and keep a good job.
In addition to that, my fiance doesn't seem to understand that we have NO money and continues to spend money on frivolous shit.
What can I do?
Please give me some advice guys.
Submitted May 19, 2017 at 07:41PM by throwawayloserthrowa http://ift.tt/2rB9IMb
