Kezzstar, I would first like to tell you that you're not alone with these feelings (although I'm sure you know many of us feel this way too). I too have felt as though I should give up.
I too rely on my mother to house me. I live with her. And my dad. I don't drive, and they drive me around, or I take a bus (the public transportation in South Florida is nothing too great to talk about). And my room is a pigsty too. I didn't even have a job until my mom could find an opening at her job for me, and I rarely get work because we're given work in order of seniority (this is a company that has more employees than it can deal with and all of them have been there at least 30 years, and I started last year). I don't pay rent, but I have credit cards; about ten accounts open and I have a few of them maxed out. My mom helps me make payments on all of them; I'm too embarrassed to tell her that even with her help I'm only able to make partial payments.
Don't be so hard on yourself. Understandably your mom can be disappointed with you; do make sure you explain your situation to her. I'm sure if you sit down and talk to her about how you feel, then you both will begin to feel better. Tell her how you feel about your quality of life. You don't need to mention suicide, just how let down you feel in life.
If you kill yourself, you lose everything. If you don't, then you don't lose (even if you don't feel like you're winning). Think about all the pain and suffering that killing yourself will do to you. Proof read your suicide notes. Is that how you want to be thought of after your death? Rewrite them to be a positive reflection on your life. Remove the negativity, and replace it with the things you have been grateful for. Make it a thank you note. It is thanksgiving after all. Many people get depressed around the holidays too.
You found yourself with your fantasies gone. Dream of some new ones. Or dream of ways you can modify your existing fantasies into slightly different ones.
Share your feelings with your mom, your boss, us, etc. Ask for more than just financial help.