You aren't bad with money, you are not taking responsibility for yourself and your actions; how could you be on disability and working two jobs? You can't play forever and I don't see you being able to move out of your current low-cost situation with your mother anytime soon. Get your official debts in order and paying on them (and/or you could go to jail), try to negotiate a signed agreement with your mother to pay some after you move out/in a couple years instead of now and work hard to clear up this mess you made so you are able to move out/on.