A friend of mine came to me one time asking for help.  She was asking if I could lend her money since she had to pay up her cards and did not have enough money for it.  I love my friend however I find that her problem was not really a problem at all because she was wearing all these glittering jewelry and I know that there was more where it came from.  So instead of lending her the money, I helped her by telling her that it might be better for her to sell gold jewelry instead since she had a lot of it. 

She was hesitant at first because she mentioned that most of the pieces that she had held a sentimental value.  I told her that to sell old gold jewelry was all right since she really needed the money.  I also pointed out that by getting the money from selling the pieces would not make her accountable to anyone unlike if she borrowed money.  She got the point and promised to help find a buyer for her pieces.  She called me up after a few days and told me that she was able to find a buyer online and that she got the money that she needed.