Take the hits and keep moving forward.

[T1000]

Thanks Fatiltre

Your:
"I understand and I would like to help you, but I am not able to do so. I have already cut my spending’s and I can't afford to pay any more than I am doing at the moment."

Is better than what I wrote.

Unless I get anymore advice here, I think I will go with:
"I understand and I would like to help you, but I am not able to do so. My spending is very tight and I can't afford to pay any more than I am doing at the moment."

I see her for 10 mins on a Friday and an hour maybe on a Sunday. Not a lot of time to talk about things.