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to not want to go out with any money?

(32 Posts)
sky1010 Mon 26-Oct-15 20:22:48

I can't tell if I am being unreasonable or not.

My friend wants to go to an event, the night before I get paid, it's not a massive one-off, but the chance won't come around for a good few months. The event is free, but has a bar and goes on until late- so we would have usually got something nice for supper on the way back and a taxi.

This month has been so expensive. I have food in the cupboards and my bills are paid, but only about £6 of disposable income in my account.

She says we can have a few drinks at hers and not spend anything out.

I say, if I can't buy myself a few lemonades (with or without vodka) or get a taxi back if I need it, I don't want to go out. It's not about being able to spend £££ getting pissed, but generally being able to enjoy myself and have what I want.

Who is BU?

MrsDeathOfRats Mon 26-Oct-15 20:25:40

Don't think either of you are being unreasonable by what you have written.

Your friend is trying to find a solution, which is unreasonable in itself.

You won't feel comfortable, which isn't unreasonable.

If she were stropping or pressuring you to go the. That is unreasonable, but if you don't want then don't.

ImperialBlether Mon 26-Oct-15 20:26:33

If she could lend you the money, could you afford to pay her back the next day?

x2boys Mon 26-Oct-15 20:29:32

how long willl you be out for and what time will you come home? when i,m due to be paid it usually clears in the bank by just after midnight can your friend not lend you some money for a few hours?

Ragwort Mon 26-Oct-15 20:29:57

I guess it's probably not something you are hugely excited about so no, in those circumstances I just wouldn't go. I can't imagine wanting to go to anything if I was really hard up, I can understand how you wouldn't particularly enjoy the occasion.

It's always a bit difficult when you use the 'no money' explanation as other people often feel that can lend/sub you some money without really appreciating how you feel.

sky1010 Mon 26-Oct-15 20:31:03

I'd feel even less comfortable her lending me some money tbh confused

She isn't pressuring me, but I can tell she's a bit miffed.

If it was something that was around the corner that we could pop into fine, but it would involve trekking into central London for and would usually be a 'proper night out'

ImperialBlether Mon 26-Oct-15 20:34:44

But if you were out after midnight, you could repay her the same night. Why would you feel uncomfortable with that?

sky1010 Mon 26-Oct-15 20:35:46

I would usually be very excited ragwort, the place does lovely cocktails and it sounds like a laugh.

Going out with no cash in your purse seems miserable to me though.

sky1010 Mon 26-Oct-15 20:37:23

My money usually goes in at 4am, so it wouldn't be a straightaway thing.

I don't like borrowing money, she earns considerably less than me and probably wouldn't have it in her budget to sub me for drinks and transport.

unimaginativename13 Mon 26-Oct-15 20:48:11

Pay day loan??

That is what they are there for we use them for this as long as you do responsible borrowing. It'll probably cost you a few pounds on £100.

You borrow the money then set it up to come out at 5am the day after pay day.

Or just don't go.

HackerFucker22 Mon 26-Oct-15 20:51:41

A pay day loan for a night out? No way!!

If you don't have the cash and can't do it cheaply then don't go.

DinosaursRoar Mon 26-Oct-15 20:56:53

Don't get a pay day loan to just go on a night out, no matter how much you will enjoy it, you said it's not a 'one off' and if this month has been tough, don't borrow anything that'll make next month hard too.

You can't go. Tis shit, but being a grown up is sometimes. sad

ImperialBlether Mon 26-Oct-15 20:57:10

For god's sake, unimaginativename, you shouldn't be using a pay day loan for a night out! It affects your credit limit.

Just don't go, OP, if it's going to cause you too many problems.

Crinkle77 Mon 26-Oct-15 20:57:13

Don't get a pay day loan for a night out. Plus it fucks up your credit rating. I's not worth it for a night out on the lash.

ImperialBlether Mon 26-Oct-15 20:57:47

It affects your credit score, I mean.

PigletJohn Mon 26-Oct-15 21:12:39

APR 4670%?

yes, that sounds reasonable.

BigChocFrenzy Mon 26-Oct-15 21:29:11

Would transport cost you anything ? If so, bad idea.

Would you enjoy the event itself ? If so, you don't have to eat or drink out.
Maybe not your ideal night out, but more fun than staying home ?

sky1010 Mon 26-Oct-15 23:17:38

Payday loan for a night out bahahahah

Oh god, that's the worst advice I have ever received on here grin

I doubt I'll be going, even if she texts me and tell me it's free a million more times. I was never one for going out on a fiver as a student either

whois Mon 26-Oct-15 23:21:48

Pay day loan??

That is what they are there for we use them for this

Are you joking right? Did you take that straight off the 'worst advice ever' thread?

I can't believe that people actually borrow money from payday loan companies so they have have a 'night out'.

OP you aren't being U but neither is your friend.

BockCadger Mon 26-Oct-15 23:42:06

I think unimaginative gets it hmm lay off.

Don't go. You can't/don't want to borrow.
I agree, it's restricting going on a night out with a really tight budget.

Paddletonio Mon 26-Oct-15 23:55:21

I would never use a payday loan for this but can be handy to have a credit card for these situations (get a 0% interest rate deal and ensure you regularly pay it off anyway)

tedhis Tue 27-Oct-15 03:41:41

Send her the money by paypal from a credit card. It will cost you 35 plus 25p but much cheaper than a payday loan!

unimaginativename13 Tue 27-Oct-15 04:57:03

Jeez guys!

The OP wasnt very forthcoming on any ideas so I had two suggestions Loan or don't go!

Me and my OH have use them a couple of times, ie if something comes up 2/3 days before pay day.

The interest on £150 is about £2.40 and people have suggested credit cards and PayPal too!!!

Not all people that borrow money are irresponsible!!!!

5oclocksomewhere Tue 27-Oct-15 04:59:21

Ironic response given my username, but why do you need alcohol to the point you'd rather stay home and miss out entirely than enjoy the event without the booze?

tedhis Tue 27-Oct-15 05:29:40

Whoops- paypal is 3% plus 25p

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