how to cope with your parents having financial difficulties?

im fourteen years old, i have a six year old siter and my brother is 18, and is leaving for university in september, but my parents have hardly any money, as my dad is starting a new business and my mum doesnt work. and i have been finding it hard recently to cope, because my mother will always say to me and my brother how we hardly have any money, but tells it as a joke. im not sure if my brother feels the same way as i do, but it really annoys me when she tells us how we dont have any money - i feel like saying 'WHY WOULD I WANT TO KNOW THAT WE DONT HAVE MONEY?!' why does she want me to know? anyway, please could you just tell me ways of coping with it, because we are at the stage where we dont have ANY money until my dad gets paid each month, and it isnt much as he is still in the middle of starting his new business ... anything will help, thankyou :)
 
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