So my Jeep officially hit 100,000 miles last week…?

I have a 2002 Jeep Grand Cherokee. It needs some work..shocks, new tires, it overheats when sitting still for too long, no air conditioning, only the driver’s side heat works and possibly a new transmission because it has a hard time getting into gears and when it does the whole car jumps.
I personally don’t see the point in investing this kind of money into a Jeep that’s at 100,000 miles. My mom tells me I should run it to the ground since I have no car payments, but I don’t know how much longer I can run it without fixing these things. I work 33 hrs a week as of right now and have credit card bills, utilities and car insurance bills that I pay monthly.. Do you guys think it’s worth putting money into this Jeep or getting something else but having a car payment?
If I get something else it’s going to be something practical that will last a long time and is cheap to fix, like a Toyota or Honda.. Those are not my dream cars but at this point that’s not what I’m looking for..
Ohh and another good reason to keep the Jeep is that I live in New England and it has 4Wheel drive.. But it guzzles gas like nothing I’ve ever seen before. I’ve always driven a Jeep (this is my 2nd one) and I don’t know if I’ll be regretting getting the car once it snows again..

Thanks for any input, sorry it’s such a long question but it’s a huge decision for me!

Another note.. I did change the transmission fluid earlier this year. The mechanic said it was filthy, but it still wasn’t working right after that and now it’s even worse..
If anyone knows how much these repairs might cost please let me know!

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