Many friends I know of are facing problems with managing their finances and debts. I have a former colleague who was always strapped. She earns as much as me yet she was always running out of cash towards the middle of the month. It all boils down to her bad spending habit and lack of discipline in using her money. She’s always asking around colleagues for loans and everyone was shunning away from her. I think a better long term solution for her would be to get debt help so that she can get back on her feet financially and start life anew. If she continues to splurge her money lavishly on unnecessary items, very soon she would need an IVA (Individual Voluntary Arrangement), else she would get herself declared a bankrupt.
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