Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering

give free budgeting advice
They've asked you, so your advice is welcome.  That's your main concern, really. I'd also ask them how much, and what kind of advice.  Do they want you to point them to good websites?  On what subjects?  Or do they want more personal advice and have you to look over their bank accounts and credit card statements, provide accountability, etc.? Treat them the same way you'd want to be treated if you asked for help on something that you were weak on.