Sorry, I did not see this until today. Life has been busy. It is good that you are making some plans for the future. Try not to get into bankruptcy, it screws up your life in so many ways. You are in university right now? How much longer until you are done? If you can do it (personally I could not work during university) I would try for a job to give you some independence. When I lived at home I basically lived in my bedroom to stay away from my parents negativity.

Good Luck, and I do try to check in on the boards once per day.