I’ve got this text:
In September it turned out that Judy won a scholarship that would cover her tuition and board. I was really glad for her because only a few students had this chance. Judy said she wanted to become more independent so this scholarship would be very helpful. I can understand her intention because it seems very embarrassing to spend money of someone who isn’t even your relative.
Now I’m struggling about whether I need to put the article before “money” in the last sentence. I’d rather not do it because there is no concrete relative or money, but a friend insists that the situation is concrete enough to put the article.