Financial Nightmare

I'm in a huge turmoil right now. Some of you may know this already, but last Sunday my car overheated; ran out of coolet while ignoring the foreshadowing signs: heat monitor would slowly go to the top then suddenly go back down the middle faster than when it was going up. Has been happening for 2-3 weeks, always thinking it was some sort of glitch.

Sent the car to the mechanics Tuesday, they would look at it, plus a needed state inspection, either that night or the next day. Got a callback the next day: radiator is leaking, part of the power steering needs repairs, and wiper blades need to be changed, all in an estimated sum of $1500, which I don't have on hand nor able to really afford. I am thankful I saved up atleast 2/3 of that amount over the past 2 years, but I'll have to make monthly payments to pay for the rest. The mechanic also said after the repairs it'll probably last another year, so now there's a problem of looking for a new car.

Parents are willing to pay the remaining sum, whether I give some of my savings over or not, and make monthly payments for at most 6 years. Here's the problem, there's no room in my budget. Doing some math, I'm cents short of making payments for gas, groceries, auto insurance, and cell phone. The job at the church alone won't be able to provide enough funds for me, especially with tax withholding. I'd be lucky to get paid a job extra per month, which is slim to none as not every month has 5 sundays or weddings/funerals are between rare and uncommon.

The part-time job with the carpet business has been going straight to dad, as he's the primary assistance, and there hasn't been much work either since the first quarter. Clients lost, including a few big and long time clients.

I'm pretty much force with the choice of finding another part time job, regardless if I pay for repairs or not, to meet my regular payments... and that alone is a fear of itself. Whenever I see classified aids, I just freeze up in fear and shut down. Even the thought alone instantly shuts me down. The world out there is too much of a scary place for me to be in. So much that I sheltered myself away from it, wanting little interaction with it as possible. Avoiding any human contact as I can. It has never been kind nor forgiving to me.

Just hope the future gets better for me financially.