You’ve known for a while now that someone you care about is going through a rough patch with money. Their face is constantly tight with worry and there’s a stack of bills on their side table. You can’t have a five-minute conversation without their phone ringing, and every time it does they let out a world-weary sigh.
There could be a whole host of reasons why they’re struggling, some you may not even be aware of. Maybe they recently had their hours cut at work, or their partner walked out. It may even be a case of too much retail therapy. You want to help but don’t know how.