Hi,
The first thing you should consider doing, is to make your parents aware of how you've been feeling, by speaking with them privately. I know that doesn't sound like an ideal way to handle this, but it is the most practical way for someone in your situation to go. You can start by asking them if they can take some time to talk with you about a few things that you need help with, and that have been bothering you. Before you approach your parents, you might want to write down everything that has been stressing you out ~ writing it down will help you stay focused during your conversation. Try to stay calm while you speak with them, but be honest with what you are trying to say.
Tell them that you need help with figuring out what to do about things that depress you. You might be surprised, that they may be feeling the same way you do about the things going on at home. If they do, then maybe it's time to work together on a strategy to make things better for all of you? Get together and make a list of things that you can do as a family on a weekly basis, that are cheap & fun. Keep in mind, that the financial problems are beyond your control at this point, but you don't always need money to have fun with your family, or by yourself. As far as your relationship with your sister goes, it's common for siblings to drive each other crazy and not get along. My advice to you, would be to keep your distance from her when she becomes annoying or rude ~ sometimes avoiding & ignoring, works a lot better than confronting & fighting...
If you feel like you're stuck at home with nothing to do, you might want to research "volunteer opportunities for teens", near where you live. You might want to look at local animal shelters, local civic youth projects, library volunteers, Red Cross volunteer programs, etc. ~ the idea is to find something that interests you, and that could possibly lead to a part-time paid position in your future. When you're back at school, you might want to speak with a counselor about ideas for getting involved in, or starting a student-based club that match your interests & skills.
Hang in there, things might be rough right now, but you'll get through it. If you have anymore questions, you're welcome to ask here, or at any other community at MedHelp (teen health).
Take Care
Ya I put a fake age because I'm not sure if you have to be 18 or older to sign up, I'm really sorry for doing that but I'm just embarrassed to ask my parents.
You're profile says you're 22 and this doesn't sound like it's written by a 13 year old. Who are you really? Kind of hard to help if we're not sure who we're talking to.