Exactly, your house does not appear on the map and even though you often interact with Michelle in the kitchen, the trigger to start working is not initiated.
I will try to remember the order of actions (the last time the beginning of the game I passed more than two and half years ago and may have forgotten something). So it is better to check with the walkthrough, it is badly written, but some help can provide.
At some point MC will think about the fact that it would be good to invite stepmother somewhere (she sits at home, from entertainment she has only TV). But our hero has no money, and without money how can you go somewhere with a lady? And he will think about a visit to a nice restaurant.
Here there should be an option to leave the house and walk down the street. You will bump (literally) into Cleo. WARNING: God forbid if this happens earlier - then you'll be in softlock.
Again, check with the walkthrough. This encounter will reveal Cleo's house on the map. You'll be able to ask her for a part-time job. She will offer to clean her pool twice a week (Monday and Friday). It will not give a lot of money, but you can accumulate the necessary amount. When this money will be in your pocket, you can invite your stepmother (I can not remember her name) to a restaurant. You need to go to the restaurant at least twice - to get two different scenes in the end. Here you can already safely use the cheat for money. Try URM or cheat mod from OP (maybe it will work, not sure). Do not touch the other variables! And best of all, after you have the necessary amount of money (the exact amount I will not name, but 10 thousand will be enough for the whole game, the costs will not be so large) delete the mods! Until the money are not accumulated, do not force relations with Cleo, wait a little.
This is roughly the order of actions.
And if you try to use mods, be sure to make a backup of your game folder before installing them.
UPD: This whole sequence of events (the idea of going to the restaurant, meeting Cleo, working for her, going to the restaurant) is not connected to the other characters (Stella, Betty, etc.). It's only a subplot with the stepmother, it's not tied to other characters in this sequence of events.