<prompt> Human: Quick background: My husband and are currently trying to reconcile after he filed for divorce and tensions are high. I drove a 2013 Chevy Equinox as a stay at home mom and our finances were fine. Now Our children are in daycare which is costing us about 2200 per month.Our finances are in the red, and i suggested we trade my car due to its high 502 payment. Unfortunately it has roughly 7000 in negative equity, so I couldnt get approved on a loan for a used car in the price range I was looking for 12000, or any used vehicle for that matter. I was able to get approved on a 16000 new base model chevy cruze manual transmission way more fuel efficient than my SUV, but it came with a VERY high finance rate. The payment is high as well, but still saves us 50 a month, plus the 45 day grace period puts off having to pay a car payment for two months for us.My husband really hated the idea but he agreed to sign after I pressured him because i felt in the long term wed be saving money. I did that math and wed be spending 200 more a year in finance charges, and extending our current loan by 6 months. However, the 50 lower payment amounts to a savings of 600 per year, plus I did a conservative calculation on gas savings and that came out to be 1000 a year.He still thinks its a bad idea because of the high APR. My plan is to refinance with a 2-3k check I have coming in soon and pay off some of the negative equity to get the APR back down to a reasonable number. He agreed to sign the papers, and the salesman and I were on our way to drive 5 miles to meet him when I was in an accident. The police ruled me not at fault but there was significant damage to the car. Our insurance says there will be a depreciation payoff for the car should we decide to buy it that would be given to us, and their estimate was another 2-3k. At this point I want to walk if the depreciation value comes back less than 2000, and my husband just plain wants to walk away. We hadnt signed the papers yet and were in GA where there is no return period, but the dealership is considering it a signed deal since we were on our way to sign.So, given all of these facts, what is your advice personalfinance?  <response>: Can you find a job that will pay you more than 2200.00 a month --this is not meant to be insulting in any way? If you dont have a job at the moment there is absolutely no reason the kids should be in day care. Hire a baby sitter when you need to go on a job interview. As for the car, that car is dealerships, you dont own it at all... If you dont have the money to make on your current car payment then call the who ever your loan is through and tell them your in a bind and need a few extra weeks to make the payment. In most cases they will be willing to work something out with you. This will get you some extra time to get that 2-3k which can save you some money with your financing. 