tbh that's not bad, we got, what, $2k a mo?
Insurance is probably high, and no health care, but $2k a month is quite respectable, $10/hr should cover that no problem. Get to the quickymart!
i have no sympathy for the feds, but not even close. if you have a 10/hr job working 40 hours a week, you make 800 USD per check. being super generous, we'll take about 15% of the gross for taxes but in DC i'm sure it's a buttfuck higher.
that leaves you with 680 per check. deduct 200 in food (reasonable amount for a mother and child, which is what we're discussing here) and you have 480. deduct 30 for slower internet (you're a black woman, you don't need fast internet, you're not gaming or uploading massive files) and you have 450.
let's take out 50 for two weeks of gas, 400.
car insurance at 155 is actually a pretty good rate for a single black mother. 245.
let's say she cuts her personal expenses in half. 145.
putting that into her 400 dollar car payment, you can find that her next 800 dollar 2 week check at $10/hr will not actually cover even her rent alone, let alone the rest of her car debt. this is also assuming genuinely restrictive spending to say she has enough to keep her and her baby healthy in how they eat. this doesn't even consider the potential cost of insurance from an employer, which is utterly ridiculous at this stage for certain providers like United Healthcare sometimes eating up to a third of a 30 hour employee's salary even at 14-15 dollars an hour.
what this should tell you, and everyone else who reads this, is that you should be forming a family unit to support one another, because it is impossible to do it alone ESPECIALLY if you plan to have children.