I have made a mess of my life and my finances. My credit score is very low, and I work 40 miles away. I am up to my neck in debt, mostly from very stupid choices. I sold my car to my mom, with the hope that I would be able to save up money for a new car, but life happened and that didn't happen. Again, stupid choices. Now, my mom's car is falling apart and she needs the car she bought which means I need to buy a new car that I literally cannot afford. I have no clue what to do, and I am just praying her car heals so I have more time. I know I made the mess, and I know I have to clean it up. I just need God's help.