Hehe, this might get a bit explicit, but I will try to explain
For Cash, I cut most of the hair off his pee-pee. Not all of it, but most. I leave about 1cm of hair.
For June, I just trim the hair on her thingy

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For the bum area, I lift up the tail and trim a circle of hair around the anus. I try to cut it as short as possible.
I use scissors for all of this since shaving could hurt them. Mind you, I don't know if I am doing it correctly, but it works for us.
Good luck.
Ps. Sorry to hear that things are tough. Luckily, YT is free