Hello @mrnightmare.net,
I love your story. Maybe because I come from a large family where money was scarce, I can relate to the difficulty here.
You describe the setting extremely well. You give us insight into Roy's character, and his parents' character. Most believably, you create siblings with flaws, human flaws that may be regrettable but are understandable.
A moving story, that carries carries the reader along. Thank you!