Why is it Always Me???

So where should I begin? I went to court this morning. I managed to get there with very minimal difficulty. However after sizing up the judge, the presence of the cop, and my odds of making a logical explanation of my innocence in the face of radar evidence, I decided to plead guilty with an explanation. I'll spare you a rambling recount of what I said, but suffice to say that I don't think I presented my case nearly as well as I could have with the result being that I now have 10 days to pay the $80 fine. I did, however, manage to avoid receiving any points on my driving record. So it sucks that I have to hand out more money that I don't really have but it could have been worse. I then received the crushing blow that I cannot, in fact, replace my phone for $150 (refurbished) to $200 (new). Instead I was told that since I am not eligible for an upgrade, I could be looking at $500. BLOWER!!! I had the damn money in my hand, ready to go. Twarted again. I got this information from an Apple rep and wanted to seek confirmation from ATT but this was quite impossible because they will only speak to my boyfriend (he's the primary name on our joint account). This pretty much sent me into a tizy. Then on top of that I find out that as far as car insurance goes I may also be screwed. As an AAA member I tend to be able to get the best rates through their partners. This is no longer the case though because, probably as a result of me ending my last plan on a bad note (late payment and ultimatelynever making it) the rate f*ckin jumped by like $100/month. The AAA rep recommended that I basically throw myself at their mercy of the insurance agency but I don't know how fruitful that will turn out to be. At any rate, I STILL don't have the money anyway so yea. So basically fml...