How to Help Your Financially Struggling Friend (Without Making Things Weird) - Her View From Home (2024)

Living, Mental Health, Relationships

In: Health » Mental Health

  • 6 Minute Read
  • By Maralee Bradley

Share

How to Help Your Financially Struggling Friend (Without Making Things Weird) - Her View From Home (2)

A few months ago I wrote about why I cringe when someone’s financial pain goes viral. We love seeing someone in need get their needs met, but it often means we’re witnessing that “needy” person at their lowest, most painful, most vulnerable moment. We see their gratitude, but we forget it may come at the price of their dignity and humanity as their financial inadequacies are exposed.

So now that we’re aware of what we DON’T want to do, let’s personalize it– how CAN you help someone who is struggling financially without complicating your relationship with that person? How can you help them and still honor their dignity? I’ve got some dos and don’ts for you.

DO:

Give anonymously.I addressed this in my previous piece, but anonymous giving is the simplest way to help a friend in need without making things awkward. Send them an encouraging card with cash or a gift card in it. Slip a note in her purse, into her car, or leave groceries on her front porch. With online grocery ordering and delivery, this can be a really simple, practical way to be sure your friend isn’t going without, without causing tension in your friendship. You can also organize others to give anonymously– churches are uniquely suited to this task. If you coordinate with several families, your friend doesn’t know who gave what. That means she doesn’t need to struggle with feeling like she’s indebted to certain people.

RELATED: If Other Kids Call You “Poor”

Be clear about financial expectations when you’re going out.I have friends who like to have fun and I like to have fun with them, but I can’t always afford the same kind of fun they can. If you know your friend is struggling financially, but you want to include her in your fun, just make it clear to her what your expectations are. You may not realize the reason she’s turning down your dinner invitations isn’t because she doesn’t want to spend time with you, but because she can’t afford dinner out. You’ve got to decide if you want to scale things back so she can be involved, or if you want to make sure she knows she’s covered. Being low-key about this is an important component to not making things weird. It’s great if you can say, “Hey, I’d love to get together for a movie this weekend. My treat!” That way there’s no ambiguity.

Be casual about giving them things.I have a friend who will randomly give me groceries she got a really good deal on. She’ll stop by to chat and then hand me a grocery bag of randomness without much explanation. Friends pass us hand-me-down clothes and toys without fanfare or expectations. If you want to give your struggling friend something they need, just be cool about it.

Invite them over for dinner.This is the most covert way to take care of a friend’s financial need and have some relational time. You just paid for a meal for their family without it seeming like a big burden. You contributed to growing your relationship with them instead of making it feel more weird. Well done.

Think of ways to barter.Is there something your friend could do for you or help you with? Is there a way you could help her in return? Could she do some gardening work for you and you pay her with a casserole? This option has the most possibility for weirdness, but can work well if you have an actual need she can fill and you have something of value to offer her in exchange.

RELATED: We Didn’t Have Much But We Had All We Needed

DON’T:

Don’t make a loan. I’m sure there are times where a loan is a smart idea, but it always complicates relationships. If your goal is to offer a little help, then just offer what you can without expecting repayment.

Don’t give with strings attached.A loan may have spelled out terms for repayment, but sometimes we give with strings attached that have nothing to do with financial repayment. Do you now expect this person to “owe you one” for whenever you decide to call in the favor? Do you need their emotional response to make you feel a certain way about your gift? Are you trying to buy their friendship or approval? This is a surefire way to make your friendship unbearably awkward. Give out of love, with open hands, expecting nothing in return.

Don’t give more than you should.You’ve got to know your limits because no one else will. If you want to take your friend out for dinner, but you don’t have the money to cover both your meals, don’t feel pressured to do it. Don’t make unwise financial decisions for your family based out of an admirable desire to help. You’re only going to end up resentful and with regrets, which will definitely complicate your relationship.

Don’t expect gratitude.Receiving help can be humbling. It can even be humiliating and feel shameful. It’s tough for those emotions to coexist with gratitude. When we help someone, we feel good. To be helped can feel like relief, but it can also feel like an announcement that you can’t be trusted to care for yourself. There’s gratitude mixed up in there, but sometimes it isn’t the first emotion to surface. If you can give to your friend, knowing this may be hard for them to accept, then you give them the freedom to feel what they feel without pressure. This is hugely helpful for your relationship.

I could tell you so many examples of ways people have helped our family when we had needs. They have become part of our family history, our legacy of support from people who care about us. It has turned our time of financial struggle into a time when we’ve become very aware of the love and care that surrounds us and have felt more part of a community than we did before. With thoughtful sensitivity from you, your struggling friends can feel that way, too.

How to Help Your Financially Struggling Friend (Without Making Things Weird) - Her View From Home (3)

If you liked this, you'll love our book, SO GOD MADE A MOTHER available now!

Order Now

Check out our new Keepsake Companion Journal that pairs with our So God Made a Mother book!

Order Now

How to Help Your Financially Struggling Friend (Without Making Things Weird) - Her View From Home (4)

Her View Shop

So God Made An Aunt Candle

communityfinancesfinancial issuesFRIENDSHIPGivingmoneymoney troublerecessionstruggling friend

Articles by Maralee Bradley

Maralee Bradley

Maralee is a mom of six pretty incredible kids. Four were adopted (one internationally, three through foster care) and two were biological surprises. Prior to becoming parents, Maralee and her husband were houseparents at a children’s home and had the privilege of helping to raise 17 boys during their five year tenure.Maralee is passionate about caring for kids, foster parenting and adoption, making her family a fairly decent dinner every night, staying on top of the laundry, watching ridiculous documentaries and doing it all for God’s glory.Maralee can be heard on My Bridge Radio talking about motherhood and what won't fit in a 90 second radio segment ends up at www.amusingmaralee.com.

How to Help Your Financially Struggling Friend (Without Making Things Weird) - Her View From Home (2024)

FAQs

How to Help Your Financially Struggling Friend (Without Making Things Weird) - Her View From Home? ›

Reassuring someone that they don't have to bottle things up and pretend that everything is fine can be a real comfort, especially if they're going through a tough time financially. Being patient and empathetic may also help them take the necessary steps towards getting debt help.

What to say to a friend who is struggling financially? ›

Reassuring someone that they don't have to bottle things up and pretend that everything is fine can be a real comfort, especially if they're going through a tough time financially. Being patient and empathetic may also help them take the necessary steps towards getting debt help.

How can I help someone financially without offending them? ›

Make sure you have a clear agreement about the form of help, such as a loan or gift, and any terms for repayment. If you want to give the person something outright, consider giving them cash, paying one of their bills directly, or providing them with non-cash assistance, like gift cards, or certain resources they need.

What to say to a friend who is struggling? ›

Helpful things to say
  • "Can you tell me more about what's going on?"
  • "If you want to tell me more, I'm here to listen"
  • "I've noticed you haven't been yourself, is there anything on your mind?"
  • "I can see this is hard for you to open up about. It's ok to take your time. I'm not in any rush"

How do you politely decline helping someone financially? ›

Be clear about your 'no' e.g. “I'm sorry, my friend, but I can't lend you money.” You don't have to offer an excuse. Express your gratitude, e.g. “That you've asked for help with money does means a lot to me.”

How do you cheer up someone with financial problems? ›

Here are a few tips:
  1. Try to create time for the conversation. ...
  2. Gently let them know that you care about them, and want to help.
  3. Listen and be curious about their experience. ...
  4. Sometimes, it can help to open up about your own experiences, which can 'give permission' to your friend or family member to also share.

Is it OK to help a friend financially? ›

Lending money to family and friends can be a gesture of goodwill when someone you know is in a tight spot financially, but it can be problematic if your efforts to help lead to disagreements or you experience financial issues as a result.

How do you tell a friend you can't help them financially? ›

DON'T EXPLAIN OR MAKE EXCUSES.

Doing so only opens the door to a discussion and prompts your friend or family member to try to overcome your objections. Say, “I'm sorry, but I can't give you a loan.” When the person asks, “Why not?” just repeat your statement. Eventually, your friend or family member will stop asking.

How do you help someone who is financially irresponsible? ›

Insist on seeing the borrower's budget for how they'll pay current bills and manage future emergencies. If you're giving money, feel free to ask for a detailed plan of how it will be spent. Avoid loans if you can. Nothing fractures relationships more than loans going unpaid.

How do you tell someone you're struggling financially? ›

Different ways to say you don't have enough money for personal relationships:
  1. I'm a bit low on funds.
  2. I'm a bit short on cash at the moment.
  3. I'm broke.
  4. I can't afford it.
  5. I'm strapped for cash.
Mar 16, 2022

How do you make someone financially stable? ›

How To Become Financially Stable: Eight Achievable Steps
  1. Set A Budget And Stick To It. ...
  2. Save, Save, Save. ...
  3. Live Within (Or Below) Your Means. ...
  4. Establish An Emergency Fund. ...
  5. Pay Down Your Debt. ...
  6. Invest In Yourself And Your Retirement. ...
  7. Monitor Your Credit Score. ...
  8. Don't Be Afraid To Enjoy Life.
Jan 4, 2024

How do you help someone who is always in debt? ›

Criticizing or pressuring someone won't encourage them to see a professional to handle their debts. The best approach: listen, provide support, and talk to them about the solutions and resources they can turn to. Acting as a guarantor or lending them money are decisions that come with their own risks.

What not to say to someone who is struggling emotionally? ›

It may seem, at times, like someone who is depressed is very preoccupied with their own life (or, more specifically, their own thoughts) but that doesn't make them selfish. Avoiding making comments that shame them for how they are feeling such as: "You only think about yourself." "Other people have problems, too."

How do you comfort an overwhelmed friend? ›

Having a chance to talk could help them feel calmer and more able to deal with their stress. Being there for them and listening without judging them can help. [My friends can help by] making me a cup of tea, holding me while I cry, making me laugh...

What not to say to someone going through a hard time? ›

Here are some things you might want to avoid saying; “It could have been much worse.” “I don't think crying will help.” “I think you should just carry on with your life.”

How do you deal with a financially struggling partner? ›

What to Do if Your Partner Is Bad or Struggling with Money
  1. Focus on triggers.
  2. Lead by example.
  3. Accept their money problem and have open communication.
  4. Sit down and create a budget together.
  5. Say something before it's too late.
  6. Be a supportive partner and focus on improvement.
Dec 21, 2023

How do you deal with a financially irresponsible man? ›

5 Ways to Deal With a Financially Irresponsible Spouse
  1. Be Honest With Yourself About Their Financial Tendencies Before Marriage.
  2. Have a Heart-to-Heart With Your Spouse as Soon as Possible.
  3. Take Over the Family Finances.
  4. Seek Counseling and Financial Help.
  5. Protect Yourself and Your Own Finances.
  6. Bottom Line.
Jul 31, 2023

What to say when someone is stressed about money? ›

In addition to making sure you are listening when a friend or family member is sharing their financial problems with you, take time to sit down and have a conversation and ask questions like, “I've heard you say a few times that you're really tight on money—what's going on?” By asking and truly listening, you are not ...

What do you call someone who is financially struggling? ›

destitute impoverished indigent low meager needy penniless poverty-stricken underprivileged.

Top Articles
Arlington Asset Investment (AI) Stock Forecast & Price Prediction 2025, 2030 | CoinCodex
How Many Preapproval Letters Should I Get For A Home Loan?
Fernald Gun And Knife Show
Cranes For Sale in United States| IronPlanet
Tyler Sis 360 Louisiana Mo
Trevor Goodwin Obituary St Cloud
Windcrest Little League Baseball
DEA closing 2 offices in China even as the agency struggles to stem flow of fentanyl chemicals
The Ivy Los Angeles Dress Code
Sarah F. Tebbens | people.wright.edu
Botanist Workbench Rs3
Hk Jockey Club Result
Best Transmission Service Margate
Hay day: Top 6 tips, tricks, and cheats to save cash and grow your farm fast!
Braums Pay Per Hour
My.doculivery.com/Crowncork
2024 Non-Homestead Millage - Clarkston Community Schools
Dr Manish Patel Mooresville Nc
How To Cut Eelgrass Grounded
Vanessa West Tripod Jeffrey Dahmer
Yakimacraigslist
623-250-6295
H12 Weidian
zom 100 mangadex - WebNovel
Nz Herald Obituary Notices
Walmart Near South Lake Tahoe Ca
6 Most Trusted Pheromone perfumes of 2024 for Winning Over Women
Restaurants In Shelby Montana
Wku Lpn To Rn
Infinite Campus Asd20
Uno Fall 2023 Calendar
Craigslist Scottsdale Arizona Cars
Jt Closeout World Rushville Indiana
Home Auctions - Real Estate Auctions
Tmj4 Weather Milwaukee
P3P Orthrus With Dodge Slash
Watchdocumentaries Gun Mayhem 2
Caderno 2 Aulas Medicina - Matemática
Los Garroberros Menu
Eastern New Mexico News Obituaries
Oxford House Peoria Il
Mathews Vertix Mod Chart
Foxxequeen
Wilson Tire And Auto Service Gambrills Photos
60 Days From May 31
Az Unblocked Games: Complete with ease | airSlate SignNow
Caesars Rewards Loyalty Program Review [Previously Total Rewards]
303-615-0055
Game Like Tales Of Androgyny
Mawal Gameroom Download
What Responsibilities Are Listed In Duties 2 3 And 4
Latest Posts
Article information

Author: Patricia Veum II

Last Updated:

Views: 6276

Rating: 4.3 / 5 (64 voted)

Reviews: 87% of readers found this page helpful

Author information

Name: Patricia Veum II

Birthday: 1994-12-16

Address: 2064 Little Summit, Goldieton, MS 97651-0862

Phone: +6873952696715

Job: Principal Officer

Hobby: Rafting, Cabaret, Candle making, Jigsaw puzzles, Inline skating, Magic, Graffiti

Introduction: My name is Patricia Veum II, I am a vast, combative, smiling, famous, inexpensive, zealous, sparkling person who loves writing and wants to share my knowledge and understanding with you.