Add this one to the list of employee problems.  Their finances.  Their finances become your problem. They need a pay raise because they can’t control their expenditures.  Sales managers know this all too well and when you are dealing with commission based employees and they have a poor month, you can guarantee they will be in your office crying the blues. 

Check out this article from Inc.com about your employee’s financial issues and how to handle the situation so they are focusing on your business, and not their problems.

http://www.inc.com/suzanne-lucas/your-employees-financial-problems-are-your-problems.html