Hello everyone. I am in my twenties and currently live with my mam. My "stepdad" who is a selfish alcoholic moved out a while back but him and my mam are not divorced just separated. He’s paid 2 years of his rent upfront with the money he received and STILL he isn’t paying his tax bill (he’s self employed) because of how immature and reckless he is, he'd rather spend hundreds on drink, cigarettes and video games his new obsession His name is on the mortgage along with my mams, and we can’t change it to my name until March due to financial crisis he got the family household into, because of his reckless spending and alcoholism we had to get an IVA, and that’s why we can’t change the name on the mortgage until March/april. My mam is terrified we’ll lose the house because he won’t pay his bills and/or declare himself bankrupt because he’s already saying he’s going to stop working as he wants to sleep and drink all day. He's awful. On top of this I am in the process of changing jobs. I'm worried about my mams stress levels and the rest of us as. Also just to add my mam only works part time due to disability and other responsibilities, I'm now full time and help with the mortgage payments and whatever else, she asked if she could just take over completely and apparently she can't due to part time work.