<prompt> Human: Hello rpersonalfinance,This past year and a half has been hard on me. Really hard. Last August, my wife and I decided to split up, and the divorce ended up being really ugly. She got a lawyer, took all of my savings approx 5000 worth and stuck me with all the bills. I am also paying 938 a month in child support.Between the divorce, catching up on all the bills that she didnt pay from our house that we own together, and me being irresponsible with my money Ill own up to it, Ive put myself in a bad situation. On top of it all, my employer has transferred me to NYC, which has a very expensive cost of living.As of today, I have 31 to my name until Friday, have had a boat repossessed, and have quite a load of credit card debt which I will list below:DEBTS: Boat repossessed: 10,650 after repossession and sale of unit Chase Card: 1,438.83 4 interest thanks to the Servicemembers Credit Relief Act USAA Mastercard: 6,892.63 4 APR Citi Mastercard: 486.97 4 APR Car Payment: 450.97 5.5 APR HouseMortgage: 148,000 5.5 APRASSETS: None, minus my check which is 1838 every 1st and 15th.My question to you guys is, how do I make things work? Im tired of having to scrounge around to get money after Ive paid my bills. What are my options? Im seriously considering bankruptcy and just a reset on life because of my divorce, but it will negativley impact my career because I hold a security clearance with the goverment and they dont like it when you have a bankruptcy.Thanks in advance for your help, and I look forward to hearing from you.Assistant: Any way to get rid of the carget a cheap car that you dont have to insure or make payments on? Can you walkbikecommute to work instead of driving?Human: Unfortunately no...Im upside down on it as well :I commute to work thanks NYC! but I have to keep the vehicle because my bus doesnt run at the hours I have to go to work sometimes have to be at work at 5:45am and the bus doesnt start running until 5:30  <response>: I dont know if you are noticing this, but every single person is saying get rid of that car. Even if you are upsidedown on it you are going to be better off in the long run not paying out 450 a month in car payment and 120 a month in insurance. Bite the bullet, sell it, and get a beater car. Or better yet, move in with roommates within bikingwalking distance from your job. You came here looking for advice, and every single person is saying the same thing. Keeping an upsidedown car is not the same thing as keeping an upsidedown house; a car will never increase in value. You made a choice that is now putting a very significant strain on your budget. Your car payment, insurance, and gas are nearly 18 of your monthly income, that is insane! 