I feel bad, DH's cousin sent an e-mail about her DH losing his job 6 weeks ago, plus both of their cars (which they owe on) were wrecked (one wrecked, one caught fire). The one that caught on fire was totaled, but the ins. didn't pay the entire loan off, so they still owe on it. They also have a house payment, ect., and only 1 working car, and now only one job instead of two! She sounded really stressed out, and I would love to send some $$ or something to help, but DH says no. Basically, they have put themselves in the situation, bought new cars when they should have done used (like us). In her e-mail she says she is now looking for a "crap car" and never thought she'd have to ever get one (ummm.. I drove one for several years, and currently drive a 96 suburban we bought for $4500). They also spend $$ on lots frivolous things (usual cells, cable, internet, movies, eating out, clothes) just things in general that they do not need, but buy to keep up w/ the JOneses, KWIM? Honestly, they do spend way too much! They live much "higher" than we do, but we have more "money" in a way (like savings or investments). So, do you think I should send her some $$, or just offer support and a phone call, maybe a few books to read? Also, when she was complaining of having to work, I sent a very long e=mail detailing tons of ways to save $$, from insurance, downsizing the cars, cheap entertainment, to saving $$ on household things like cleaners, diapers, ect. That was a year or so back, and she didn't take any of the advice offered (I really did think she was wanting to know a few ways to cut the budget, and sent a list of things we do, it wasn't snarky or anything).
BTW, I know I don't post on this forum as much, but I always lurk, and I LOVE the advice given, and we do try to incorporate alot of the $$ saving tips into our lives!