I know its easier said than done, oh boy do I know that! But you got to stop saving her when she is in a pinch. She needs to feel the loss of you, in order to start missing you. If you keep saving her, she may keep walking on you. Create some distance and boundaries. If for nothing else your own financial well being. You may want to talk to the mortgage company and see if you can make an interest only payment or partial payment to get caught up too.
Me 41 W 33 M 2013 Suspect A 11/15 Confirm A 1/16 She moved out 2/14/16 Stepson 13 Stepson 16