Well I don't like to be a bossy guy telling people what to do or not but, in my opinion, If you are having difficulties with money, yuo and your family, why don't you stop playing computer and help them the maximum possible?
That is what I'd do in that kind of situations, Family comes 1st than gaming in my point of view
I use torrents but i know i am harming peole who work hard to make something.
But if you look abou it more using programs that are put by someone on the net that you have to buy is the same thing.Or using the CD key for some game,because you didnt bury the original thing.