SHE’S IN MAJOR FINANCIAL DEBT.

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.