<prompt> Human: Long story short I worked my way up from being homeless to being able to purchase a car - which I crashed. Im currently sleeping in the rental car but its 30 a day to use and while I can afford it I certainly dont want to pay for it.Im lookig to get a new car this Friday from a dealership. The reason Ive been so late to do so is because I know nothing about car loans. I have to work 12 hour days often to survive, 7 days a week and Id rather not deal wth all the intricacies that come with purchasing a car off of Craigslist. Second: I dont have a home. If the car I private purchase fucks up, Im not just out of a car Im out of a home.My only fear is that Im going to lock myself into a loan that fucks me over in the future because Im desperate right now. For a first time car buyer with bad credit theyre charging me a 12.5 APR which seems steep.My current plan is that I can purchase the car and continue sleeping in it as I work myself ahead a few months to have a good safety cushion. Ill obtain a secured credit card, make all my payments on time and within a year I can refinance at a better rate.My current income is about 24,000 gross yearly. My workplace offers overtime but Im not sure how long that will last. Im regularly doing overtime so if I had to calculate from where Im at right now, Id say I would be making 36,000 a year gross.Does this sound like a good plan? Is there anything Im missing? Thanks for reading if youve gotten this far!Assistant: Where do you live, it will make things a lot easier to help you. Human: I work in Irvine, so I sleep close to my job in a church parking lot. If I were to get a room it would likely be in Costa Mesa or Santa Ana.  <response>: Personally I always suggest looking at roomshare on craigslist. When Ive had money problems Ive found really good deals. If your budget is 500-800 you are already paying 30 a day for a car, than you are better off getting a room. I would look through this list and try to find something close to your work. You can always get a shit bike for cheap and make the commute work. Filter by price and try to get something in irvine. Is 800 a good max budget for you or do you need to go a bit lower?When I was at my lowest I pretended to be an alcoholic to get access to a sober living space. These are usually available if you demonstrate zero tolerance for alcohol and work the stepsattend meetings. The good thing about these living spaces is they are cheap and usually have some form of ride access. I wouldnt suggest this route because it takes up a lot of your valuable time attending meetings and working the steps, but if you are absolutely dead broke you can find some of the cheapest accomodations available. 