If you like poker, then my opinion is that you shouldn't stop, switching to free chips is also unnecessary (the behavior and manner of players for play chips and for real money is very different, players often
bluff for play chips, go all-in with weak
hands, for real money, this way of playing leads to a loss of bankroll) I am based on my own experience. Quickly win back money here by the way you lost it, you will not get it.
You need to change your approach to your bankroll.
First, determine the amount per month that you can spend on poker without harming your family's budget. Let it be $ 20, with such a bankroll you can play $ 0.25 - $ 0.5 tournaments and S & Go, cash games $ 0.8 - 2. You can spend 2 - 5% of your bankroll on the game. If you lost $ 20 in a week, then do not make a deposit until the end of the month. Play
freerolls, get experience.
This is just my opinion and it can be misleading. Everyone chooses his own path.