[Zeke]

There must be a 1000 books on the subject not to mention the Net. You said she doesn't take advice well so an advisor is a waste of money.

As said, the person needs to bite into this or it's just information. Handing finances over to a bookkeeper would be better. With oversight, of course.

There is only one thing she needs to know: what goes out has to be less than what is coming in. It's really that simple. But getting there is not.

Without details no one is going to recommend anything. A better picture will produce better results. Most people that don't manage money will have debt, but you don't say anything about that. Addressing debt is no. 1. Number 2 is spending money frivolously. That's just a bad habit and habits are hard to break.

No. 2 will take care of no. 1