Having a car can be a huge benefit (after you pay for the mandatory registration and insurance and gas), until it gets stolen or robbed (which happened to my friend six months ago and she's still trying to work her way back to a replacement vehicle). And another friend, now that I think of it... And another, heh. Assuming it wasn't totaled, the fee to get the stolen car out of impound, plus a fee for every day it sits in the yard, on top of the repairs for bullet holes, smashed in windows, etc can make it more feasible to just save to buy another used car.

I think another thing that isn't stressed enough is how homelessness can drag on your mental health. You have constant stress, and dealing with obstacles and unfairness on a daily basis can feed depression, make you more irritable, lose energy, etc. Not being "chipper" enough can be a big burden in terms of getting clients (especially for women; thanks, male chauvinism). I am of course not trying to tell you this, but for other readers to consider.

Thank you for telling your story, I hope your situation improves soon. Have you considered applying to a TED talk on bias or invisible burdens for people with lack of resource security?