SHE’S IN MA­JOR FI­NAN­CIAL DEBT.

Cosmopolitan (India) - - YOU, YOU, YOU -

DON’T SAY: “Oh, you poor thing. hav­ing no money is the worst!”

IN­STEAD SAY: “Let’s make a fi­nan­cial plan and get you back on track.” Pity­ing your friend doesn’t help things. In­stead, be proac­tive by help­ing her look for ex­tra work, find a fi­nan­cial plan­ner, re­search fi­nan­cial man­age­ment cour­ses, and en­cour­age her to stick to a bud­get or re­pay­ment plan.

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