Only spent less than $200 per month to get help?!

You need change your mindset in order to really enjoy your life. You see, now there IS a problem. And your family is not short of money.

My family lived with an American eld lady (Jew). She only has $2200 monthly income (赡养费from divorce). She pays $200 per month to get help in cleaning her house twice a week. She makes donations to many place because "everybody loves money". She tips 20%-30% whenever get serviced. She enjoy her life. (but, be frankly, she is a little bit odd).