text: a co-worker is having financial problems, how can i help? i know that a co-worker is having hard times right now with money - and i want to help but i don't know how i should without her finding out that i know and i don't want her to feel embarrassed. send her a christmas card anonymously with a wal-mart gift card, or a grocery store gift certificate.  god likes it when you give quietly rather than shouting how great you are for helping. bless your good heart!