[sweeps]

I'm in a similar situation, poundwise. It's a difficult situation because like it or not, it's family and you have to deal with the fear of hurting your own finances vs. the guilt of seeing the other family member(s) barely scraping by. I like the idea of helping those who help themselves. Maybe you can match a certain amount for every dollar they put in their savings? Something along those lines. It may sound weird or too formal or whatever, but it's worked in my situation.

As I've said in other posts, I think this concept is good for public policy too. Handouts don't work over the long term, and just leaving people out in the cold with nothing is no good either. Meeting them halfway is a good compromise. It gives them incentive and a sense of responsibility, and on the other side there's less guilt and a feeling that money isn't being wasted.