I'm sorry to hear about your mom
. It must be really hard dealing with the money stuff on top of the emotional stuff.
My grandma died last summer and I know that the funeral home wanted to be paid right away, but the lawyer said that they (the funeral home) have to wait for up to a year. I don't know if that's true where you live, but if you could delay that expense that should free up some money for other things . . .