Cut the cord. Your parents need to live within their means. Open your owe bank account. If you chose to give them or loan them money it goes like this. They ask. You decide if you want to. You hand them the money. No dipping into your account. Get your own phone. If you are on a family plan you share is much less than $100, unless you call it rent plus phone.

>My parents aren't poor

Tell your mom you are opening a separate account where you can save money for your future (wedding, house, life, etc). They will have to figure their own money management.