A friend

Looking for some insight on how to continue to help a friend. Recently we(husband & myself)invited a single mom and her 2 year old son to move in with us. She was having huge financial issues and had a complete breakdown because she felt she was at the end of her rope. We wanted to provide her with a place to re coop and get financially back on her feet. She has been with us about 2 months. I watch her son when she works, and we don't charge her a thing to live with us. I so badly want her to have a place to call her own some day. Here's the issue...she has some financial judgements against her so she needs to clear up her credit history so that she can rent or own her own home someday. Since she has moved in with us, she has saved no money. She buys stuff she does not need. She lives very unorganized and has a difficult time acomplishing tasks. She is a good person and loves her son so much. I hesitate to say a thing to her because I do not want her to feel judged. She has no family, parents died when she was very young. Her son's father is out of the picture, as he signed away his parental rights. How do I help her get on track? Can you send some healing her direction.