The first thing to do in a situation like this is to organize her earnings and her expenses. She needs to elaborate a spreadsheet and point all the regular expenses such as rent, energy, food, etc. Once she figures out the expenses she can't run away from, it's time to organize how much money she will have left, and how she wants to spend this money.
As an example: If Shelby earns 2000 dollars a month, and all her bills totalize 1500 dollars, she has 500 dollars to spend on leisure.
Then, if Shelby owns a credit card, she should take a break from it, until she has paid all of her credit card's debts. This way, each month she'll get a little more money, until she's settled and has spare money to spend on leisure.
