How would you get to work if your mother couldn't take you? Can you ride your bike there? Or catch a ride with someone else? Could your Dad take you?

Unfortunately as you are under 18, you might need parental approval to get a debit card/bank card. Try to talk to your Dad about him helping you set up an account.

Do NOT use profanity on Pet Talk.

Pick a day and a time to stand up to your mom. Don't wait for it to happen again, be proactive. Write yourself a "speech" if you have to. Tell her that you are sorry that she is always short of money, suggest she make herself a budget within HER OWN means, and stick to it. Tell her, by the way, she could save a lot of money if she quit smoking, and THAT could help her money problems. (I know that bothers you, as it would any daughter who cares about a parent.)

Explain that your are trying to become a fiscally responsible person, and trying to save money for college, or for the time when you will move out. She will need to do without your money very soon anyway, as you are nearing adulthood.

Are her parents available to talk to? Maybe they could help you talk to her.