I need to man up and GTFO of my parents house, right now this is not an option though.
I currently have 1,032.00 in my checking. I owe 9,875.00 on my car with payments of 276.00 every month. and 170.00 for insurance every month.
From your previous post, you mentioned you owed $650 on a credit card, is that still there? If you're not driving to work you'll be saving most of that gas money, and no longer paying for lunch at work. Hopefully your parents will give you some extra time on the $1200 for tires, and won't push getting your own cell phone til you find a job. So you have cash to cover two months payments on your car and insurance. plus a minimum payment on the cc if that is still there: have you already made this month's payments?
I certainly don't think you should try investing in precious metals. You have until August to find a job (given all my assumptions
) and I assume school wouldn't start until September, so you have a bit of time now to start checking it out.
One suggestion: if it's possible to stop driving now that you aren't getting to work, can you just cancel the registration? It may/may not be worth selling the car, but if you spent $90/month on public transport/taxis instead of keeping your car insured and on the road, you could cover the car payment for an extra month with your current savings.