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I wanna help a family member to sort out her debts and finance plan. She was in a poor mental state and made some questionable financial decisions. Currently just started a new part time job while waiting for further her education, getting about RM2.3k basic a month.

Commitments: a. Motorcycle (shop loan) - RM213/month, loan balance RM7500 b. PTPK - RM230/month, loan balance RM21500 (planning to defer payment after she gets into uni) c. Credit card - minimum payment RM150, loan balance RM3000 d. ShopeePay - total RM3000 , range about RM400/month to RM1000 until September

I have a budget of 3-5k to help her for this. My ask is that if I can help her to pay (i’ll ask her to pay me back), which debt should I clear first? Don’t want her to keep adding debt because of the interest. Her payment ability will also reduce once she gets into uni as she will probably not be working.

Thank you all sifu!

For context, my teammate (F, 31) is interested to get to know another colleague from a different team (M, 28). The guy is definitely single and doesn’t reject the idea of a relationship (got to know as another teammate helped to ask). FYI, the guy has an introverted personality.

I’m not sure how to help convey my teammate’s feelings to the guy (like help to set a meet up, ask if he’s interested etc), without making it feel awkward for the both of them, should the guy is not interested in my teammate. Any suggestions?