<prompt> Human: The latter part of this month has been pretty rough for me. I recently had my car stolen in front of my apartments. The car itself is old but I had a lot of stuff inside including about 300 cash and 1200 worth of miscellaneous items. I just applied for a personal loan to buy a car off of a friend. I planned on buying the car in a couple months but I guess this expedites the process. My insurance said that theft wasnt covered and they closed out my claim. My rent isnt too expensive but Im bad at budgeting. Bus schedule doesnt fit with my current work and class schedule. Uber is starting to get expensive. Can someone please lead me in the right direction.  <response>: If your insurance does not cover the loss, you will need to eat the loss and move on with buying the new car. I would verify that before just accepting the insurance companies determination.I just applied for a personal loan to buy a car off of a friend.Why not use an auto loan? The rates are typically better.FYI, if you are pretty broke I would not keep 300 in cash and 1200 in miscellaneous items in your carI have never been broke and owned 1200 in portable miscellaneous items. A car is not somewhere to store cash or valuables. 