As we learn, grow, and develop our financial skills, we become more self-reliant. As you humbly receive help from those who are able to give it, and as you gain knowledge, exactness, discipline, and humility, the Lord is able to turn your weaknesses into strengths. He has promised this in Ether 12:27:

And if men come unto me I will show unto them their weakness. I give unto men weakness that they may be humble; and my grace is sufficient for all men that humble themselves before me; for if they humble themselves before me, and have faith in me, then will I make weak things become strong unto them.

When you are in need, the Lord can help you understand what you should do, show you what changes you need to make, and direct you to the knowledge you need to make those changes. As you follow His guidance, you are changed from the inside out, and in the process, you become both spiritually and financially self-reliant. The Lord takes you from where you are to where you need to be. President Ezra Taft Benson said:

The Lord works from the inside out. The world works from the outside in. The world would take people out of the slums. Christ takes the slums out of the people, and then they take themselves out of the slums.… The world would mold men by changing their environment. Christ changes men, who then change their environment. The world would shape human behavior, but Christ can change human nature (Ezra Taft Benson, Born of God,” Ensign, Nov. 1985, 6).