Re: Ever done a "personal financial intervention?"
How about along with the cat repair check gifting her a book like "Smart Women Finish Rich" by David Bach? Include a little note that you're worried about her and that although she probably has some great friends that to count on them OR YOU to help her out financially is a real gamble on her part.
Good luck! I have a financially irresponsible sibling myself, so I know - it's tough!
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