How about these? My mother is going abroad on Wednesday to renew her visa. It's difficult to say exactly which day she will come back. I can't stay at home alone without her, so I'm boarding in a new place near our university. Then I'll have no one to talk to about my day. I wonder how I will be able to manage without her.
Would suggests a hypothetical situation that doesn't exist. "If my mother were not there, what would I do?" Could is more likely to be used when discussing a past situation. "My mother wasn't there, so what could I do?" Will is best for a situation that is expected to exist. "When my mother goes out of town, what will I do?"
If I had (the) money (today) I would pay the telephone bill on my way home (now). But unfortunately I haven't got the/any/enough money. The money can mean enough money.