I have a family member who is constantly needing bail-outs. I've generally been OK with doing this (she's a single mum and has had a hard time), but recently, I've discovered some of the reasons she's always so in need of cash, and have become less happy with it. It's stuff like ridiculous phone contracts, loads of fines for being late paying things, not applying in time for money she's owed, endless takeaways on credit card. It's not extravagance as such (although there's a bit of this), but seemingly a total inability to manage her money. How can people learn this? Are there courses to take? I do want to help, but it's getting ridiculous. TIA.