You're ok. Maybe go to a class or go to the library and get a book on managing money.
I'm glad your sister understands.
A bad earthquake destroyed our home and we had to borrow $160,000. House is still not completely fixed up and we still owe almost all the money after 9 years of payments and my bunch of ips.
It's just not worth it to beat ourselves up about. It wasn't my fault
Please try to have confidence in yourself.