Good advice justafriend......the only way to make it work is to do the work.

Sadly from what black-roses writes, it sounds like her problem is that she doesn't WANT to listen & just wants it to ALL MAGICALLY HAPPEN without having to do any of the work that it takes.....the underlying problem needing resolved is to find the willingness to do what is necessary to become responsible in the first place.

I was married to a guy for 33 years who even though a computer design engineer like I was, had to have his hand held in regards to anything financial....the most irresponsible person along with financiallybI have ever encountered in my life & had no desire to be responsible nor the capability mentally even with his high IQ & he made my life hell even after I left him he has been messing me up with his financial irresponsibility.

Black-roses, you complain because your mom also controls who you see. Probably because she sees you being as irresponsible in that aspect of your life as you are with money & cares enough about you not wo want to let you destroy your life in that area of it either. She probably sees your BAD CHOICES & wants to protect you from destroying your life