Sometimes you have to take that chance. I hate to see people take advantage of people in need. Sounds like you need to deal with the relationship between you and your mom. Did you know that resentment towards your mother can make you very ill and manifest itself in the form of female troubles like painful periods and uterine fibroids? You really need to read the book Sacred Woman by Queen Afua. See if you can get it at the library. Pay attention to the chapters on womb healing and sacred relationships.