<prompt> Human: A tornado hit the duplex my boyfriend and I were renting, destroying the home and both of our vehicles. Were staying with a relative. I drop her off at work in the mornings, use her car to get to work, and she gets a ride home with a friend.We have 5500 in savings. I bring home 1942 a month. He is currently unemployed.Rough breakdown of our monthly budget well, as of the day before the tornado:500mo rent, electric and water included500mo savings emergencytiny house fund942mo credit cardThe idea with the emergencytiny house fund was: Well put away 500 a month, and if we manage to not have any catastrophic emergencies for the next 5 years, well build a tiny house with it and be rent-and-mortgage-free.I pay for everything with my credit card and all of my numbers are rounded UP to the nearest 5: car insurance 85mo, food 600mo; groceries dining out, gas 30mo, internet 70mo, cellphone 25mo, birth control 25mo, miscellaneous house stuff, oil changes, etc. I try to pay off the balance by the end of each month. Its not 100 imperative that I pay off the credit card in full each month as I have 0 APR until January 2017, but it bugs the hell out of me to carry a balance. It has a 2800 limit.As of right now, we dont have to pay internet or car insurance, but Im spending way more on gas 30wk driving across town to and from work everyday. I gave my cousin 200 rent for the month of May.I have no other debts.I bought my car for 6k cash in August 2006 Scion xA, 75k miles; I had minimum coverage required by the state of Florida no comp.: my car was paid for, 8 years old, and I only drove it 40 miles a week I lived 1.5 mile from work and I ate lunch at home everyday. Geico will cover nothing.The car would cost 5100 to repair. The house is condemned and slated for demolition, so were staying with a relative; she said not to worry about rent, but I wanted to give her something...at least enough to cover the difference in her bills from letting us live with her I dont want it to cost her money to have us there.So, Id like to lay out my ideas and have you guys give me some feedback andor present me with some options I havent considered.A Continue staying with relative. Part out the car, get what I can for it. Use that and part of our savings to finance a newer vehicle. Budget will change drastically to accommodate a car payment 200mo and full coverage insurance 150mo, but it wont completely deplete our emergency fund.B Continue staying with relative. Deplete our emergency fund to fix the car. The 6k I bought it for is gone regardless. But it is still an 06 with only 80k miles on it. I may or may not find a comparable vehicle for 5100 and even if I do, Id still have to pay sales tax and tagging and titling fees.C Continue staying with relative. Buy a motorcycle. I rode a 50cc scooter for a year and a half while I saved up for my car. I live in Florida, so winters are short and warm. I dont have to have car insurance to ride one one fewer bill. On the downside: they can be unsafe drivers arent as aware as they should be when it comes to motorcyclists, and its inconvenient for getting groceries home. This would be a purely temporary solution until we find a car or until winter whichever comes first. Afterwards, my bf would continue to ride the bike to and from work after he finds a job and it would be a nice weekend vehicle. I still have my rain gear and padded jacket from when I rode my scooter, so wed only need 1 set of safety gear for my bf.D Find a small apartment near work. Buy a bicycle, and just put off dealing with the whole car thing until it starts getting cold.My landlord has already stated that he intends to rebuild and that rent will be the same I dont have it in writing, but hes been a good landlord for the 18 months Ive been there - I trust him. However, if the apartment is going to take forever to rebuild, were going to have to move someplace else, but apparently, our studio was a steal at 500mo with utilities included. Comparable apartments in the area run 525mo, with water and electric between 80 and 125mo higher in summer, lower in winter.What do I do?Side note: whatever my new budget ends up being, I want to include at least 390mo into savings 20 of my take-home pay. That will be down from the 500mo Im currently doing.Edit: Thank you for reminding me to contact FEMA. The last 10 days have been crazy, Ive been frazzled and stressed out and I completely forgot about them. I truly appreciate everyones input and questions even if my replies seem terse.  <response>: Its called insurance, theres also money set aside of your area is a disaster area to help people like you. Check with your city officials 