A financial counselor may be able to tactfully help by explaining to your mom better ways of handling her money, and start a budget system with her. The key is this person, whether it is a financial professional, a friend, or maybe church member, is not you, her family member. This neutral person will not benefit from anything your mom doesn’t spend, so your mom’s suspicions in that area can be softened. Also, since elders understandably get sick of being told by their adult children how to handle their lives, a third party makes it more professional and less emotional. There’s a better chance she will listen.