Hugs to you, you are in a difficult situation.

One idea would be for you to apply the "broken record" technique. You could come up with a sentence or two such as:

"I know times are tough and I'm sorry that you are short of money. Money is tight here too and we won't be able to help you financially."

Maybe even write down what you come up with on a piece of paper and keep it by the phone.

Then apply as necessary. If some of her requests are coming in by phone, can you turn the ringer off and just use voice mail/answering machine? Is there some way you can give yourself a break from hearing the repeated requests?

When you do talk with her you might need to practice just not hearing those hinted requests. Maybe imagine they just slide right off you.

Might help you to remind yourself that if she is going to learn to better manage her money she needs to not be bailed out anymore, she needs to face reality. In other words, you are taking these actions both for your own well being and her well being too.

Sometimes people try to make it hard for us to say No to them. They hint that they just might fall apart if we do, they make us feel like we have to walk on eggshells. One way to step out of that dance is to set a firm boundary and otherwise not engage.

Best wishes to you!