Oh my gosh. I am struggling with the same thing. My son is 13 and its just the 2 of us. I find I get I get a good plan and then become easily discouraged and forget what I’m trying to do. I really want to set a good example for him but a lot of times I feel like I’m just as lost as he must be feeling. That then brings on depression and the feeling of being underwater. Once I’m not overwhelmed I feel paralyzed and unable to do anything. That then prevents me from keeping on top of anything which causes everything to stack up again and the cycle repeats. I sure hope someone can offer some suggestions.