One thing I had to learn with my mom was not to be hurt by her behaviour. You may recall from your previous thread that I was in a similar situation with my mom, just nowhere near as bad.
My baby brother actually gave me clarity on this when things were at their worst, and I had lost a lot of money due to her refusing to get her affairs in order to help me bail her out.
He pointed out that if she was capable of acting in a way that would spare me harm in this situation, she would have been able to spare herself.
Of course she's going to hurt you in this, the only behaviour she knows is enormously damaging. If she was capable of behaving reasonably about this for you, she would have done so for herself. She's not being hurtful to you, she's being what she considers to be normal. Actually cooperating with you, actually preventing the situation from being worse is so foreign to her, it would make no sense.
This is her normal. If you get involved in her normal, you will get injured because that's what her normal does.
As I said previously, unless this is a situation where you should really have a conservatorship over her, then you should not be stepping in to try and fix this, even when she loses her house.
If she's at all mentally competent, she may need to hit rock bottom before she's capable of seeking real help and being willing to let go of her self destructive behaviours.
These are choices she makes, she's not powerless here. She's made many series of choices that have provided highly predictable outcomes. In a very real, and very sick way, this is the life she wants. I know that's almost impossible for you to understand, but it's true. That's why she protects it.
I used to think people hid this stuff because they were ashamed, but that's only part of it. If that was all, they would welcome help when someone found out. But they don't, they keep hiding, they bury it further into secrets. They are actually afraid or having that life taken away from them.
You MUST try to understand that point. She is trying to protect this life she has made for herself FROM you. Until you truly grasp that, you will keep running into brick walls and you will keep being surprised and hurt by her behaviour.
Until the pain of her life choices hurts enough to break whatever addiction she has to this behaviour, no amount of help you provide will actually help her. It will only drag you down into the mess with her.
She has to want out. Badly.
Clearly she doesn't.
She's been willing to go without running water for years in order to maintain her lifestyle, it's *that* important to her.
Maybe being evicted will be rock bottom enough for her to finally be ready for meaningful help and change, but it might not be, and you need to be prepared for that.
I strongly recommend you make a plan for a temporary living situation for her, because that's a very reasonable help to give to a mother in need, but don't commit to a longterm housing arrangement that you are on the hook for. That's not a reasonable or mentally healthy support at this time.
Unless or until you are convinced that she is committed to doing meaningful psychological work, then make your help very, very temporary.
That's what we mean when we say you can't help her unless she wants to help herself. She doesn't want to be rescued from her life. Until she does, you can't do anything to help her.
Perhaps rent her a furnished room somewhere safe for 3-6 months so that she can figure out how she wants to move forward, because she really does need to be the one to decide that. If she's still unwilling to be proactive in changing her own life, then she's going to have to hurt more until she's ready.
Enabling her is the worst thing you can do for her AND for yourself.
Lastly, I recommended before that you seek your own counselling to help you process the very complicated emotions of this process. The only way you will be able to make responsible choices is if you can think clearly through the intense feelings and reactions, and sometimes that requires and objective expert to help. I knew I was doing something stupid when I started avoiding the topic with my therapist. I did it anyway, but at least I was aware of it, and that helped me pivot quickly when I finally admitted to myself that my help wasn't helping.
If you want a bit of hope though, my mom is doing really well. After decades, she turned a huge corner, has her finances far more in order, has applied for and received government support, and has fixed critical problems in her house to prepare it for sale. She seems FINALLY sick of her self destructive life and ready to move on to something healthier.
Why? Because of my help?
Hell no.
Her breaking point was losing my support. She finally felt like she had no options, and had to take a long hard look at the life she had been protecting, and decided for herself that it wasn't worth it.
Is she handling everything optimally? Oh goodness no, but now she asks for my advice, not for my money.