I see a lot of references to a budget. Who set(s) the budget? From my outsider's perspective, it seems a little controlling to keep reminding him of something like that. Maybe he sees it that way too?
At this point, those are his problems from his decisions. Apologizing over and over again for decisions he's made will only imply he's dependent on you and has no responsibility of his own. Part of him appears to like that, or at least find familiarity and comfort with it, as he's eager to blame you. Seems to me that he's being manipulative in this. My vote is to let him sink or swim on his own with this one. He knows where the money is or is not. He knows what needs done. So he should have at it.
I would say texts and IMs are really not doing anything constructive at this point. Just another leash. Time to let the boy grow into a man.
