They have to recognize a need for change and make that change on their own. Facilitating change rather than attempting to force it is so much more healthy for everyone involved. I learned this the hard way over many years but it was well worth the experience. I know it's inconvenient and tempting not to because they're literally the people you trust the most in your life but i learned this lesson several times the hard way and never saw it coming once. I learned the hard way about money.
It took forever, but i paid every cent i owed back. Ironically i am amazing with money now. I would strongly recommend setting up a 'savings plan' where money is put aside each week. Learn to pay things off and never let money rule you.
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