#not to mention the car payment i still haven't been able to make from last month

[wandersee]

it's so absolutely torturous only having $650 left on my car loan but being entirely unable to pay ANYTHING towards it due to lack of day job like. me outright owning my little disaster of a car is RIGHT THERE ;0; not to mention not having to worry about the $300 monthly payments, so it'd free that non-existent money up, which would be sooooooo life changing :")

[castielsparkle]

hey guys im sorry to e-beg so much but i unfortunately have had no money for awhile and i can't go any longer without asking for financial help bc i have payments due and i need basic necessities that i haven't been able to buy in a while.

i was working two jobs, now have neither bc of health complications (physical and mental) as well as the second job just becoming money for transport to the first job bc i can't drive. i was walking to the second job but the first was only accessible by car. on top of this, i was experiencing mental strain while working the second job, as it was across from a building i'd previously had to leave for my own wellbeing because i was being harassed by one manager and assaulted extensively by another. the second job also had an hour walk commute each way on foot, which was very taxing as i have chronic pain. i have been out of my medications for about a week now as well, and i spent the last money i had, which was thankfully given to me by some lovely friends, on food for my cats, and a ride home from being with a loved one in the er. my meds help treat a variety of mental illnesses i struggle with, as well as physical pain, and i am also out of hrt supplies. i also have been having troubles w accessing my own money bc of it being withheld by companies i am still trying to sort out rn. (for example i just got done dealing w/ an issue selling a concert ticket i'd bought a year ago in advance, unfortunately through circumstances that had nothing to do w/ the company, me, the customer, or the mail service i used, the tickets had trouble in the mail. due to this i was not able to make the ~300 dollars i sold the ticket for [retail price 400+ when i bought it over a yr ago] but also i was penalized the charge of a replacement ticket incorrectly and didn't receive back the 220+ usd they took for that for weeks. i'm having similar unfortunate issues happening w/ other places still and have no clue when, or if, i will get my money back at all)

i am open for commissions of all sorts + design customs + i have adopts if anyone is interested. please message me/mention on this post if you'd like commission work. these are open whenever unless specified otherwise - however, the payments i have to make are due within about a day (as of 11/11/2024) so i am really scrambling right now.

i'm so sorry again to ask. i don't want anyone going broke trying to help me of course tho, i am not entitled to anything and please only send anything if you can without worry. also even just interacting means the world, tysm 💙🫂 hope you all are well

ca/vm: luvrwulf

pp: darklydreaaming

('dreaaming' with two a's)

[wordstreamer]

Seems like everyone needs money these days, and I know I don’t have a lot of followers, but if anyone who sees this can boost or donate something to my KoFi or to a GoFundMe we set up, it would be much appreciated.

Our eldest cat, Diva, had to have multiple emergency blood transfusions, setting us back over $8k in money that we do not have; all three of our cats have medical needs that total about $338/month, on top of their regular care.

(Obligatory pics of our beautiful girl, her baby brothers, Poe and Silver, and said beautiful girl again.)

So, while I don’t love asking this, anything would help.

Edited to add: 7/5 and Diva's tentatively doing better. She's home, her appetite is coming back, and she's getting back to her normal levels of chattiness and energy. We've still got work to do, but things are looking up.

Additional updates under the Read More.

Diva on the bed for the first time in almost a week. (A tabby cat is curled up on a purple pillow, paws tucked in.)

Diva on the bed for the first time in almost a week. (A tabby cat is curled up on a purple pillow, paws tucked in.)

7/17 and probably (hopefully!) the last update for the foreseeable future. Diva had a follow-up appointment today and we confirmed that her red blood cell levels are well within where they should be. She is back to her normal levels of energy, and she is eating and drinking pretty normally, with fairly normal litterbox activities.

I also got a new job - it pays a little less than what I was making, which is a problem, but it will help.

We really appreciate everyone who has spread the word and helped us out! <3 Thank you so, so much.

7/24: One more update, since it’s somewhat relevant: I heard from my former manager, and will probably be getting brought back onto a different team. Diva just jumped around the bedroom and is staring at me judgmentally, which is perfectly reasonable, and her baby brothers are resting peacefully. One of the car problems has been fixed by my father-in-law, and we’re looking into the others. I’ve removed the mention of getting laid off and having car issues from the main post, because while it was true, hopefully, that’s going to be less of a concern. (Trying to tackle an additional hefty vet bill is still a problem, but at least some things are back under control.) For now, things are looking up. Hopefully that’ll continue.

12/23: Edited the main part of the post, because so far, Diva is continuing to improve, and I think it's safe to say that she's "out of the woods." I don't want anyone who looks at my profile/sees this post to think that she is doing worse than she currently is.

We've had to make some changes to her diet and add a monthly Solensia shot to her schedule, but those are things that may have been on the horizon, anyway. We still have no idea what caused the scare back in July, but we haven't had any recurrences yet, and while we're still paying off her vet bill, we have been able to make the monthly payments without issue at this time.

We had a massive scare a few days after I originally made this post - we were absolutely convinced that that was it, that we were saying goodbye. She'd improved after we got her home, but then massively declined; in hindsight, it was most likely a swell of adrenaline/relief/not being at the vet anymore, followed by her needing to rest up after that sudden expenditure of energy. But at the time, it definitely looked like a relapse, and we had already decided--after talking to our vet--that we would not put her through another transfusion so quickly.

She was fine. Her red blood cell count was still rising, and she was livelier than they'd seen her at the emergency vet. So even if things take a bad turn, we've gotten another 5 good months with her and counting. I'm hoping she makes it to 18. I'm hoping she makes it to 20. I'm hoping she makes it beyond. I am so, so glad to have at least had another 5 months with her, and that we were not trapped in a situation where we had to live with the knowledge that while there were avenues we could pursue, we could not afford to save her.

[ghoulangerlee]

coming from someone whose dad has worked in cars his whole life, sometimes you gotta take a step back and think about is it worth putting the money into a car that keeps breaking down? Currently in that situation myself and I’m trying my damndest to just get a different car. Definitely easier said than done, but that’s advice my dad has engrained into my brain since I was a kid. I hope things get better for you soon <3

Hey anon! I'm so sorry you're going through this situation as well! It really sucks, car troubles that is! I do hope things get better for you and you're able to get a different car!

I do want to be very clear about my car, this is the first time something beyond what I have capabilities to repair has happened. Anything else? I've been able to fix myself. I just don't have the know how or tools to install a new steering gear, hence, having to take it to a shop for diagnosis + having to shop around for a cheaper options. Hell until recently, I didn't even know what an EPS was or that my car didn't have a power steering pump.

Now, re the advice: yes, this is definitely very good advice and advice I used to help me make a decision to actually purchase the car I'm having issues with now! My last car: I paid $600 for it and the repair costs to fix it so it wouldn't leave me stranded far exceeded that amount. So, new car.

Unfortunately, this situation is a little bit different on the current car. I'm still paying it off. I have about $1200 left on it before I even get the title to it. My final car payment should be sometime at the end of January according to math.

Now, this was something I thought about when I got the total from Ford for the repair. All said and done, I've only paid about $6000 for the car and a repair cost of half that seems excessive when I could just get a new car. But again, I haven't paid it off and there's not many options for me with the lien on my title.

I briefly talked about it with the Ford guy, he mentioned that I could possibly sell it to them, and they would just add that $1200 onto the total of a new car. Read: New car.

I bought this one used, because I don't have money to make a "New Car" payment. The Ford here, doesn't do used cars in their car lot, so everything is straight from the factory and costs about $18000 to $23000.

And none of the used car lots here will do a "trade in" on a car with a lien. I've already called a few places.

Now, let's get to the numbers of everything here. So, to repair the car it's gonna cost me $2466. This comes with a warranty and a guarantee that if my power steering goes out again, they'll fix it for free.

If I were able to get a new car, I would have to make two car payments, plus two insurance payments, because the state I live in, requires you to have insurance on your car, even if it's disabled, and especially so if the car has a lien on the title, you have to pay for full coverage until the lien is satisfied.

A peek behind the curtain, every 6 months, my insurance premium is $1900. So, just having this car sitting in my complex's parking lot until it's paid off would cost me about $2800 on top of the cost for a new car payment, which may or may not be more than what I'm already paying a week. Plus the cost of new insurance which is about the same on most 4-door cars for me specifically.

So, at the end of the day, its a lot of money, but $2466 is the cheaper option of my options right now, just because it's more doable than having to pay for two cars, one of which I can't actually drive anywhere beyond pulling in and pulling out of a parking spot.

None of this is meant in a mean way towards you anon, I just wanna lay out my thought process for this, because you're not to first person to ask me have I considered if it's worth fixing my car when the repair costs so much.

But I digress. I hope your car troubles are able to be resolved! I hope that you're able to get something dependable to drive! <3