I had to turn my car in willingly because I was unable to continue to make payments. I realized that for a year and some months, I was working real hard on my job and not getting paid enough money for the work I did. I was constantly struggling. So, several times, I wrote checks off my father’s account to pay half of a huge car note. I realized that I didn’t have to purchase that car, and that I wanted to keep up with the joneses. My father informed on a few occassions that he could keep paying my car note because it was too high. And he told me not write any checks off his account anymore. I agreed to that, and realized for a long time, that was wrong. I have been unemployed for the past three months now,but I am seeking employment, but I haven’t found a gig that is going to pay me at least 12 or 13 dollars an hour. So, how does one survive? Will this ruin my chances of buying a home one day and getting another cell phone?