@PaulaToThePeople FWIW, I'd respond with the response I'd give any family member: really work on cutting your costs to find a more financially sustainable path.

Maybe you don't need to be paying for all of the things in that list. At some point it sounds like you won't be able to pay for them all, if your expenses are so overrunning your income.

Feel free to ignore this response as unhelpful, but I mean just a bit of positive encouragement: if you can get to a more balanced financial situation you'll be able to do even more good, and with less worry in life.