NC in case the info is outing
A little background to help understand the situation
I was given up for adoption at birth, I was raised by a narcissist who I am no longer in contact with but I still struggle with FOG and do not always know if I am being reasonable with my reactions. I also traced my birth mum over a decade ago, we have an ok relationship but it has been very up and down over the years. She has cut me off for significant periods of time in the past for not contacting her enough been though she was not contacting me either, she has never provided for me financially or done anything for me practically including babysitting my children (I have no issue with either of these facts as I am very independent and have not needed either, just giving context)
The issue is that she is struggling financially at the moment, she ideally needs to spend a couple of thousand pounds on essential home improvements but is struggling just to cover the basic bills. She is posting passive-aggressive status updates on Facebook about it and saying she has had enough and cannot cope anymore etc
I have been trying to help with practical advice, finding companies who offer the improvement on credit, loans at cheaper rates than the credit as an alternative etc, offering to help go through her incomings and outgoings to see if things can be adjusted to improve her finances and even looking for alternative jobs for her (she is on minimum wage but her sector is in real demand at the moment so could increase her pay and hours pretty easily by moving employment).
Everything is being met with negativity and comments of 'I just give up, I cannot cope' and I am getting to the end of my tether with it all! Over the years she has had plenty of opportunity to build up savings but chose to spend her wages in full every month, it is only due to a change in circumstances that she is now struggling but realistically the change in circumstances was predictable for a couple of years and were fully confirmed for at least 6 months before it happened but she still chose to not prepare for it (sorry trying to be vague to not be outing).
She has not asked outright for help but she is definitely playing the guilt trip on me and expecting me to solve things for her but due to my past I am torn on how to react.
The reality is that other than giving birth to me she has done nothing for me in life (except cause me hurt and upset if I am honest) and after lots of counselling over the years I am at a point where I have said I will not cut her out of my life but if she cut me out again I would be done and not hang around for more hurt.
Financially DH and I are by no means rich but we have always been sensible and do have savings which would easily cover her home improvements, however, I would feel very resentful giving them to her, especially when she refuses to help herself, for example, she moans about only just being able to afford the bills but refuses to do any overtime offered to her even though she isn't even working fulltime (no disability or dependents stopping her from doing it either)
So am I being unreasonable not to use our savings to dig her out of this mess and only offer practical advice? or should I help her as at the end of the day she is the reason I exist no matter how volatile our relationship?