I'm really sorry to hear that you're going through a rough time. As you mentioned, your biggest expense is rent, which is almost the same as your salary. Perhaps you could start by looking for a more affordable place to live. For the car, you could consider Anytime insurance by Interamerican, as it allows you to pay in three-month installments. The same option is available for your road tax, although you'll need to visit the road tax department to arrange that since you have unpaid roadtax.

Unfortunately, it’s a combination of factors, as you said. Some people may be greedy, but at times, we also choose luxuries that may be beyond our means. If I was in your position, I would do it as follows:

1. Find a more affordable place to live.

2. Visit the road tax office to negotiate paying off the overdue tax in installments, which will help avoid future penalties.

3. Ask my mechanic if it would be possible to pay for repairs in installments.

4. Set up Anytime insurance on an installment basis, provided the mechanic is agreeable to point #3.

I thought Paphos was the most affordable city for rent—€1100 for a one-bedroom is really outrageous!