House Insurance Comparison

I’m in my senior year of high school and this is supposed to be the best year of my life so far, but it’s turning out to be really.. well, I wouldn’t say the worst but second worst. The first would be the year that my parents divorced, and my home burned to the ground within a one week period. But this year is really making me upset. First of all, I’ve been living with my mom and brother since the divorce (5 years ago) and we haven’t been doing great financially. My mom works two jobs and is stressed out all of the time; she actually was battling depression and is still now trying to get over it. I have an older sister, but she is married and has a newborn baby girl, so I can’t really spend too much time with her anymore, and she was the closest person to me in my family. My dad is not around; it’s actually a really f***ed up story but it’s too personal to share.
Because of the financial situation, I have been working a steady part-time job since I was 15. I help my mom out a little bit, but most of my money I either save or spend on stuff that I want and/or need. Finally, this past summer, I was able to buy myself a used car with the money I had saved up. I also bought myself a nice phone with the contract renewal, even though I paid a little extra for it (we only have cell phones- no house phone), but I felt like I needed to reward myself a little for working so hard. Oh yeah, I also get great grades in school; 96 average throughout high school, and I take all honors/some AP courses.
Then stuff started to go bad. While some of this stuff I take responsibility for, a lot of it was completely unfair, and I hate that it’s all happening at the same time. In the beginning of the year, my beloved phone fell out of my car (don’t ask) and ended up being run over in an intersection. I then lost my job (completely unrelated). I got in a car accident in the beginning of November, which completely ruined my car but the other lady’s car was untouched! I have fixed my car, but can’t drive it because I don’t have money to pay the insurance anymore.
I didn’t get into the college of my dreams, and my efforts at filling out scholarship after scholarship are useless; I don’t know how I will afford college next year, or if I will be able to afford to go at all. Any extracurricular activities that I had begun this year are now impossible to attend because of my lack or transportation. My mom is getting less and less hours at her second job because of this terrible economy, but she can’t find another job and the extra time is spent sleeping or watching tv in her room, and my brother is continuing to be quite the trouble-maker.
At school, somebody stole my TI 83 calculator, worth nearly $100 last time I checked. It was a hand-me-down from my sister, and I NEED that thing for my AP Calc class. We couldn’t afford to get one in the first place, and now I have to somehow find money to buy a replacement. I can’t do my homework, and definitely not my tests, without one and none of my friends can actually let me borrow theirs overnight because then THEY won’t be able to do their homework.
To top it all off, the Valentine’s Day weekend that I was looking forward to so much has been ruined. I’ve been going out with my boyfriend for almost 4 years. I barely get to see him, and we were supposed to have dinner that I was going to make, and then he had a surprise for me (he was going to take me out somewhere- don’t know where). This was going to be soo special because lately me and him haven’t really gotten to spend much time together- he recently got a job, he works early early mornings and by 9 PM (the time that free minutes start; we don’t have the same phone carrier) he is more often than not too tired to hold a good conversation. He lives in the next city over, so we actually have to PLAN things out; we can’t just spontaneously see each other. Well just a few hours ago, I got a call from him and he got into an accident this morning (partially due to the ice on the roads). He doesn’t have his car- so that means I won’t even be seeing him this Valentine’s Day. To make it even worse, he might have to pay to fix one or both of the cars, so that means that he might not have the $ to even go to Prom with me this year.

FML

Does everybody go through problem after problem after problem like this? I don’t know what to do anymore.
Honestly, this isn’t half of what I could have written. I understand there are others that have it much much worse than me and so I am thankful for everything I have. Most of what I have, I’ve had to work for literally so it’s not like I don’t understand the value of any and everything. But really, I’m surrounded by people who are so ignorant of the suffering of people around them that it makes me sick.
Everybody has these moments and sorry that I sounded like I’m the only one with problems- but you have to understand that’s not the whole story. There’s plenty more that I can’t share with Y!A because it’s just honestly too personal. I’m just pissed off that everything I’ve been working for all my life seems to be crashing around me just this year.