I understand she has other bills, but I would make paying rent the highest priority. The last thing you want is to lose the house. She gets foods stamps, government utility assistance and other bennies. I guess you are right, I am being hard on the lady...NOT!!!
You are correct.
1. Mortgage/Rent
2. Insurances
Prioritize
Here's a story.
I know of some people who all work at a certain place. They all have the same job description but their individual duties vary slightly. All make about $48K a year.
Most of the people in this job description are female, but the males are married (with working wives). Only one (female) has younger children, one of whom is still a minor.
Almost everyone lives a frugal lifestyle, even the married ones. People bring their lunches, wear modest clothes, take public transit. Some of the single ones have roommates.
The female with younger children has a townhouse with a mortgage, an SUV, eats out a lot, always wears new clothes and shoes, and sends her son to a private school.
I always wondered how she did that.
She's never been married, and her children have different last names.