Saint sheltering family without money (5)
I believe the answer is:
skint
'without money' is the definition.
(I've seen this before)
'saint sheltering family' is the wordplay.
'saint' becomes 'st' (abbreviation).
'sheltering' means one lot of letters goes inside another.
'family' becomes 'kin' (synonyms).
'st' going around 'kin' is 'SKINT'.
(Other definitions for skint that I've seen before include "Informally, having no money left" , "Having little money" , "Stony broke" , "Hard up (slang)" , "Impecunious" .)