<prompt> Human: My mom just had her car repod, and Im trying to figure out how to help her. To be clear, Im 28, live on my own, support myself entirely, etc.Shes had financial problems forever, starting when she made 30,000 as a file clerk when I was growing up, and now making 90,000 4,300 monthly take home as a supervisor at her firm. Shes always been broke.The problem is her crap spending... Too much eating out, too much consumer nonsense, etc. She also supports my sister, which doesnt help.Heres a rough outline of her monthly bills 2650 total: Rent: 1,580month 2x1 apartment in an inland Southern California suburb Cars: 280month for her car, 215 for my sisters car Auto insurance: 700month400month Utilities: 175monthAnd here are estimates of what she spends on debt 1040 total: Credit card debt consolidation: 420month Credit card debt consolidation: 200month Minimum payments on credit cards: 120month Underpaid taxes: 300month Five additional credit cards in collections: ?Ive tried to help her before with budgeting and so on. But she just cant. Her mindset is always on solving today, and hoping that the long-term issues just take care of themselves.Admittedly, Ive enabled her in some ways. She owes me 3000, and Ive been paying the cell phone bill for her and my sister since January.Any advice on how I help her now? Is there a non-shady type of organization that helps people in these situations? I gather a lot of debt consolidation places are pretty sketchy.Yall were right... My memory was way off on the car insurance. Still a lot to pay for two 20,000 cars though.Edit: Updated with the correct figures for posterity. Not dramatically different from my initial estimates. She ends up with about 610 after paying her bills. Im going to set her living expenses allowance at 400 and see how it goes. Its tight, but shell have to make do.  <response>: Your thought that she was paying her car payment must have been optimistic, or it wouldnt have been repossessed.700month for car insurance? How does someone do that, even with two drivers?What sort of help are you imagining here? Shes obviously spending money on something to have accumulated 20,000 in new credit card debt on top of what must be more than 50,000 in consolidated debt. Her debt service is high at 1500month, but her income is also high. She doesnt need consolidation at this point. She needs intervention. She has the money to get out of debt, but she has to want to do that. 