my sister has had a history of financial irresponsibility, but in recent years she has been very responsible. i do not see my sister ever paying the money back. the only plan my sister has is to try and find work....she was provided the services of a career coach and a few job search seminars courtesy of her former employer, and she has attended all. she was a telecommuter (IT work) and that allowed her to relocate years ago to this very small new england town. given her age and more company-specific skills, she is finding herself not being as marketable as younger job seekers with more current IT skills.
my mother is not very savvy when it comes to budgeting her finances. i try to help her but, frankly, i don't have much to offer. i think it would make my mother feel better if she sent some money each month, but i have to be careful and make sure she does not overburden her own financial needs.