<prompt> Human: My Mom has been historically bad with money. She is always using the overdraft protection as a cash advance, and she is often late on payments for TV and Phone, both of which I get emails about as they are tied to my email for online viewing and such. She doesnt have a budget and is always complaining on how she lives paycheck to paycheck. I would like to help her get out of this in a way that isnt outright offensive but still helpful. What would you folks suggest?  <response>: Sometimes it just helps to sit down and help the person setup a budget. A lot of people dont realize how much money they could save just by balancing and following a budget. Just tell her that you noticed a few late payments because your email is linked. Tell her youd be happy to sit down and help her setup a budget if shed like to. Explain to her that you set up a budget and its helped a lot. Best of luck. 