For one, get a strategy of where and what the individual is doing with the money or a bank statement . Cross off the whatever it is that are wasting it on or consider they don’t need it , and start by counting the costs of wasting it and then start to put it somewhere that can also notify each transaction that they make , and if already have that plan , then ask for help to someone trustworthy and get a limit on the spending and make a list of needs cost of living and things you would do after and have all bills come out each paycheck and make arrangements with creditors and banks to do so
