<prompt> Human: Hi Reddit,So my gf just told me her money situation. She has her phone, car insurance, argos bill and SAAS payments. To break it down a little better:Phone: 60 per monthcar insurance: 140 pre monthArgos bill: 500 outstanding interest per month, dont know the exact rate yetSAAS: 50 per monthShe also has a cineworld card which is: 16.90 per month.Her bank currently says -999.74 student overdraft. She works at her mums takeaway and earns 220 a week. The reason why her bills arent paid in time is because she spends her money on random shit like going out for food or buying stuff online. The advice I gave her was to try and stop spending on random stuff and try and put 200 in your card weekly. Shes over due her phone this month so it is costing her 160 this month.I thought of getting a note book and getting her to write down every income and outcome and the total amount she currently has but is there an app for your phone to do this?Is there any more advice I can give this girl? I think there are worse situations but more advice to get her through her situation the better.Tl:dr gf told me her financial situation. She needs help on how to save with 220 per week.Oh and she used to steal from her mum in the past... So her relationship status with her mum is very poor at the moment, How can she gain that trust again with her family?Edit: sorry, i forgot to mention that she doesnt steal from her mother for a long time. Over a year to be exact.Edit 2: thanks to everyone who has taking time and wrote a lot to help and their past experience! Some of you said to leave before its too late etc but i really think she has changed, she just needs to learn how to manage her money better. I was in her position once with -800 for a couple years then had to change the way i do things.Assistant: Why do you think she wants your advice? Do you think she would follow it even if given, given her track record?The reason people get into financial trouble is they spend money they dont have. Its a hard habit to break.Human: She told me that she wants to stop and needs help so I trust her that she will.I forgot to mention that she hasnt stolen from her mum for a year..  <response>: The easiest way to stop spending money you dont have is to only spend money you do have.Go to completely cash-based spending, if thats an option where you are. You cant overdraw cash. 