My DH was complaining about the high cost of living to a colleague who is also his friend and the following day the friend handed DH an envelope with enough money to pay his subscription for a year to an online exercise training programme. DH is now embarrassed as we don't need help to pay for this. The friend and his wife are wonderfully kind people and I believe they have just come into some money but we really don't want to accept their gift as I feel it now makes it awkward if we want to book a holiday or indeed get the gardening done with money that we've had put aside especially for that. We don't know how to give it back without embarrassing them as it appears to be a gift.