When friends plan a night out, lead by remembering the friend who can’t afford the expensive option.

Plans get made by whoever speaks first, and the person with the least money rarely volunteers that information. They quietly become busy instead. Suggesting something affordable before anybody has to ask spares them the choice between going broke and being left out. Nobody needs to know why you suggested it, which is the point.

When the group is deciding, put a cheaper option on the table yourself and sound keen about it. Avoid making anybody explain their budget out loud. Check whether the same person has gone missing from the last few plans.