Broke In Two Weeks

@popciclecold it is very hard but since she seems to not think of the consequences she may have to hit rock bottom to understand or really rethink her situation. If someone leant her money would she use it for the right reasons or the wrong ones?

You could try and show her how to budget, make a sheet with all her bills on it and dates they are due. Take what she gets paid and divide it into the bills needing to be paid, take our grocery and gas money and if there is left over, thats what she can spend.

May I know what do you mean when you say that she is your client? Are you her advisor or Advocate dear friend? This is just my doubt, please don't take otherwise ! Thanks!

Some people are unable to manage their money. She needs to make a plan. Make the list of everything she has to pay, and put the money aside (in an envelope, a jar, no matter where) and only use the rest of the money.

aw. that is hard. Maybe she can write all the bills for the month and when she got money, deduct it from her money so the rest she can spend

Is she willing to take advice on how to budget her money?

I have a friend who had the same problem. Each time he gets paid, he removes the money he needs for bills and divides the rest of the money in 5 envelopes. He only opens one envelope per week and he doesn't run out of money anymore. Of course it is also possible to do it in other ways, but I think that it is a good idea to divide the money in two groups - the money that is needed for bills and the money she can spend on other things.

There are some people that are just stuck in their ways and that you can't help. Spending money is a therapy for some and the joy they get in the moment outweighs the consequences that come later in the month. If you could get her to stick to a budget and reward system that would be good, but I am not sure if you could convince her of it. I was thinking something like getting envelopes (or making them out of paper) and labeling the envelope for each bill. Then add one for "left over" and "save". The left over would be for spending on non essential items and the save would be for a rainy day fund. If she can see the money that she gets in versus the money that goes towards bills versus waht she can freely spend maybe that will help her keep on budget.

Sadly some people need to learn the hard way and realise that she needs to manage her money than just spending it as she sees fit. If you bail her out she will never learn. We have always only ever been paid once a month you just have to learn to live within your means.

i think people with bad spending habit got some serious issues,