I'm going to be logical and blunt. Forgive me.
Pros at the moment:
Shelter over your head
Food in your tummy
You have a steady-ish income (not assuming you will be employed forever due to economy)
Surrounded by greed
Negative thoughts in your head from their behavior and your stress from $ (guilt and frustration)
Your own stress of income levels.
Move from location/house
Assert self to deflect their comments (oh wow. Hm. I'm sorry. What a mess! I have to go.)
Accept the money will never be seen again. (they have entitlement issues)
Accept that your "help" (nudge towards assistance, ideas, thoughts) will not be used.
Get started on paperwork/legwork to stall or decrease loan payments (contact bank/loan people. May need copy of paystubs and bank statements.)
Get started on legwork to move out. (hostel, friend, room?)
Get 2nd job, stay away from house more?
Get PO box, make it easier for mail if you couch surf.
Make sure you take PC or your info is saved somewhere. Not on the machine if it stays.
Make sure none of the bills are in your name. (People will put other SSNs on bills as co-payers or such to let the account start)
Get food stamps, start container garden, use food bank (for yourself) That will save cash on your end to save up for moveout or something.
Keep cash away from household.
Go through clothing/room/possessions and start the Keep Toss Donate job. Thin the herd, much easier to take what you need. This household will implode, storage is not feasible here.(when packing boxes, write on sides and top)
If you have car, do your best to make sure it's in decent health. I know, that costs money. Barter or trade if you have to. You're gonna have to hustle (not speed, bargain) to get better in this situation. Logic here: if you leave with car, and it breaks, you might have to go back. Do Not Want.
This is some serious shit I'm talking about. I've had to do this too many times, I've moved a lot and have had to improve my money management. it's hard to change so much; but I think you'll need to do quite a few of those to get what you need.
In my heart, in my soul, I'm a woman for rock & roll.
She's as fast as slugs on barbituates.