<prompt> Human: -Ive been gripped by the balls and had them tugged on. Hard.Im a 19 year old male who lives in Ohio. I work at taco bell and get about 32 hours a week earning 8.50 an hour or about 7.00 per hour after taxes meaning I get about 440 dollars per paycheck. I work about two minutes from my house.My car insurance is through COMPANY and costs me about 200 a month. The due date for each payment is on the first, but they let me hold until the 10th before my plan is cancelled. I currently do not have a license and have been driving illegally to and from work.My rent is about 645 a month. However, with a late fee tacked on it instantly becomes 35 more making it 680 and adds 5 dollars per day that its late.My phone payment is 60 monthly Can be cancelledI have enough food to last me about 15 days. minimumI have 23 to my name and a half full tank of gas. Currently, I am due the rent payment for July which has a balance of 285 left, which will increase 5 per day until I get paid on the 1st making it 350 due. I will also need to pay my car insurance which will cost me 200.350 200 would add up to about 550.Since I get about 440 per paycheck, I have been forced to ask everyone I know to lend me money and my grandma can give me up to 60 meaning Ill have about 500 out of the 550 payment.I move on August 1st where I will be living in a 1 bedroom apartment with my sister, sisters boyfriend, niece, and grandma. At my sisters, I wont have to pay anything for the time being. There will be forced to find another job. I figure I can find a Mcdonalds job close to where I will be moving my sisters but I still am going to need to pay my last months rent and whatever else I have due rolling into August.I really am struggling to the point that sometimes I consider Another option out of my situation. I do not want to make a temporary problem a permanent one and understand the implications of what Ive just saidHowever, Im concerned for myself over the next few months and this is my cry for help. If anyone has any advice that I could take and use or any more questions on my situation I would be happy to answer listen to your advice. Any help would be dearly appreciated.EDIT: Also, Im working on becoming an electrician in my area but am not willing to start my career until I can legally drive and have a solid home situation.In about two months the grace period on my college debt will come off and Ill owe 2,000. I believe the minimum payments would be about 73 monthly.I was considering getting a credit card to pay off what I need, I know its a huge fucking sin, but it seems like my only option. I dont think I have a credit score at all and Im not sure if Id be given anything substantial in the first place.Things I own:My Desktop PC and two monitors. My PC is very special to me and Im not willing to liquidate itMy Phone. I have a OnePlus 3 that Im not willing to liquidate.My Headphones. I have a pair of Sennheiser XL Urbanite that Id be willing to sell, but dont know how or how much Id get for them.Every piece of clothing I own and all of my bedding could fit into a couple trash bags and stowed away very easily in my car.EDIT 2: Ive decided to cancel my car insurance policy. This will save me 200 for the month, and most importantly, me.Assistant: I work about two minutes from my house. My car insurance is through COMPANY and costs me about 200 a month. I currently do not have a license and have been driving illegally to and from work.Park your car. Cancel your insurance. Walk to work or get a bicycle for 50. The ticket you get for driving without a license will literally kill any hopes you have of bettering your situation, provided the officer doesnt just arrest you which they legally can do.That gets you an extra 200 every month at a minimum, more because you wont be buying gas. Then sell the car. Cancel the insurance now and sell the car in the next week which shouldnt be hard and youve made more than enough to cover you and some extra to keep your head above water next month.The only other thing you can do is work more, but I know that a lot of places wont give you more hours because they dont want to have to give you benefits for being full-time.Thats literally the best advice I can give you. Cancel your insurance, sell your car, buy a bike. Once you move and find a job that you can bike to, work on getting your license back and saving for a new car. In addition, save at least a few grand so that if you find yourself in this situation again, you can just pull from your savings and not from family. If the area is popular enough and there are multiple places near your first job post-move, get a 2nd one. You may only get 30 hours at each place, but youll double your income.Human: Right, so My car is a 2003 Chrysler Sebring.I figure selling it sint much of an option since Its got a check engine light on for a very minor issue Ive checked it out but that minor issue would cost me about 40 which, however small, I cannot afford. Solid advice. I appreciate it. Would just not paying my insurance have an effect on my ability to do anything in the future?Assistant: Would just not paying my insurance have an effect on my ability to do anything in the future?Absolutely. Your account will go to collections which fucks over your credit score if you want to buy a car, get an apartment, or do a lot of things later in life. I agree with selling the car and canceling insurance. Its too expensive. And you know your analogy of being gripped by the balls and having them pulled on? THEY WILL BE CUT OFF if you get caught driving without a license. Human: So how could I cancel it then other than paying this months insurance in the first place?Assistant: You need to pay what you owe right now and any late fees, and then cancel it from here on out. Canceling doesnt mean youre off the hook for any money you currently owe. But thats 200 less you have to worry about from August or Sept onwards. Human: Right, so July is paid. Should I cancel, that takes me off the hook for August and so on?Assistant: that takes me off the hook for August and so on?You will have to double-check with insurance to see how their billing cycle works, but in theory yes. Human: So, they were willing to let my cancel my policy with no issues. Since Id already paid until the 25th Id let it run until then. This 200 is HUGE and changes everything. Thanks everyone so much for advising this to me as I didnt even know it was an option.  <response>: Yes, now just make sure you dont drive the car until you have a licence and insurance again! Great job! 