Hi dolphingirl,

It sounds to me as though you are an adult. I'd recommend not waiting for her to speak up ~ instead YOU can simply expect your mom not to pay your bills. When she comes to you about not having enough $ to do this or that, then you can tell her that it's okay. Tell her that you've got your bills, and she can pay her bills.

If money is tight for your mom, and she's needing to borrow money, then maybe you can try to come up with ideas with your mom to make money. Like having a yard sale/s, bake sale/s, getting a PT job to get a little extra money.

Very best wishes to you!