Do you think some people just don't know with money?

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I have this really good friend, she is a very nice person and a good friend, but she just doesn't know her way with money. She is always broke, she comes to ask me for some money just a few days after she got her paycheck, and I know for sure that she doesn't ask me only but her other friends too, so when the new paycheck comes she gives money back to all of her friends and she is broke again. The fact is that my paycheck is just half of what she gets but she is the one who is always broke. We are both alone and pay only for our own bills, neither of us has children or husband and we both pay the same money for the apartment as we live in the same building and have the same apartments. But my friends likes eating at the restaurants, going to the bars, she never thinks about the future, buys very expensive products, never looks for discounts. The electricity company didn't send her the bill for the last six months as she moved to my building from another place and they were sending her bills to the old place address but she never once called them and asked them about the bills. She started heating the house when it was still rather hot and was heating with her windows opened and she never put a cent a side for the electricity in the 6 months she wasn't getting any bills although I was advising her to do it. Now she got the bill for about 400E ($600) just for the electricity and she came to me to complain about it. She was broke and had no money to pay for it. The electricity company called her and told her they would cut her electricity if she hadn't paid in 2 weeks time, but she didn't. In the mean time she got another bill for another 50E and she didn't pay those first ones. Then they gave her another 3 days to pay all the bills but she didn't want to hear about it. She told them that her paycheck come on the 1th in the month and that she couldn't pay before that. I know I can not help her because she is who she is and she will never change but I am sorry to see her in trouble all the time and to see her broke all the time because she wishes to travel, to go for a vacation and similar stuff but she never finds money for that because she waists it on wrong stuff. I am sorry to see her doesn't get the stuff she wants because she keeps wasting money on the stuff she doesn't need. For example, here where I live you can pay for car insurance of 3 months, 6 months, 1 year or 2 years. The 3 months cost 75% of what 6months cost, and if you pay for the whole year you get 3 months for free, and in 2 years policy you get about 9 months for free. But she never pays more than just 3 months although she needs her car for the whole year which actually means that in a year she pays 4 times for the policy of 3 months and if she paid for the whole year she would have gotten 3 months for free and saved the cost of 1 policy for 3 months. But she doesn't think that way because she thinks that it is better to pay $100 4 times per year than $300 at once for the whole year. There are two supermarkets each about 50m from our building and we were coming back from a walk and she needed something. We went to the first shop and what she needed cost 4E there. I know that the very same thing was on discount and cost 2,50E at the other discount but when I told her to go to the other discount she said she didn't have time to go to there now, although it would have taken only 2 minutes of her time. I know that 1,50E is not much, it is little bit more than $2 but I strongly believe that one should save on small stuff, because if you save $2 each day at the end of the month you will have $60 you weren't counting with. What do you think about all this? Do you have friends who make quite a lot of money but are always broke? Have you ever tried to help them? How? It makes me sad to see her wish for stuff she thinks she can't afford just because she isn't using her money wisely.