This is not right, goodgran. Perhaps you should be Toogoodgran!
. You should not need to pay for her gas, electric, car, car insurance and mobile phone. She is "taking the Mickey". And being disrespectful to you as well.
You say that she works and has three children, so if she is on a low income she will be entitled to Working Tax Credit. And maybe some Housing Benefit and Counsel Tax Reduction.
She will be getting Child Benefit anyway.
You don't seem happy with this situation so change it.
Tell her that you are giving her, say, three months to get her act together financially as you are not willing to subsidize her any more. If course, she is going to storm out and block your number. Let her! You hold the "trump card" so she will soon be back, when she needs help with child minding.
She will probably threaten you with keeping the Grandchildren from you but I doubt that she would cut off her nose to spite her face.
Tell her that, looking after the children while she works is all that you will be doing in 3 months time.
Btw what on earth is she doing with her money if you are paying most living expenses for her? Does she smoke, drink, but lots of unnecessary clothes, have her hair done all the time, false nails etc? Because it is going somewhere and not in the right things as a Mother of three.
She is being a selfish, rude brat and you need to stop allowing her to be right now .
If she needs financial advice , she will have to go to a Free Debt Advice Agency. And b---dy grow up.
No wonder you are feeling depressed. Sort it! Now!