One of the corner stones of helping people with money problems is getting them to accept that the problem is usually of their own making, and get that out of the way. Dont waste energy following false hopes. It is even more important to constantly impress on them to address the problem of drawing down on easy money from their Credit Card, or two. If there is none of your money in the Credit Cards take the hardest step, cut them up. Eliminate the urge to use them. Having read all of the "Money" posts, I have not seen any advice to people to address this problem. Anyone who dares to raise their head above the parapet is usually met with silly or caustic comment from the "Frequent Posters". This is counter productive. If people request advice then the advice given should be taken in good heart. It dosent have to be followed, But there is no need to shoot the messenger.