How to dig out of this hole?
I'm struggling to see how I can dig myself out of this financial mess of mine.
I have my monthly budget broken down below:
Income: $4161
Rent: $2200
Car: $665
Insurance: $450
Consumer proposal payment: $300
Utilities: $200
Phone: $95
Gas: $200
Grocery: $34
Bank Account Fee $17
I live in rural Ontario, hence the need for a car. My car is only so expensive because my ex wife used to pay for it (it's a long story but I have to pay for it now as its in my name and car has significant negative equity, so if I sell it I owe $18k.
My savings have all gone to my ex. Someone I have no room to save for last months down for a new rental, and all rentals here are around that price I have a 2 bed 1 bath since I have a young child split custody. I will look into getting CCB split with ex.
I have tried to renegotiate auto loan to no avail due to my poor credit from consumer proposal. I use a food bank because I can't get by on $34 a month in groceries/toiletries.
I feel stuck. I work 8 to 5pm with hour long commutes and I am exhausted. Ex pays for daycare. I habe a special needs child I have to wait 2 years for autism diagnosis.
Advice?