<prompt> Human: Im almost 30 days behind on my car payment and car insurance..Ive been slacking off thinking I had the money then Im now realizing I dont. I obviously have to make my car payment or they will REPO my car...but Ive already let my insurance have a lapse in coverage last month in between jobs and Im not sure if Im aloud to have another lapse in coverage. What do I do?  <response>: What are you going to do next month? It sounds like you have not only a planning problem, but also a not-enough-money problem. 