I have lent my friend money in the past. She has always paid me back and generally I don't mind. She has been out of work or in a tight situation. Now she has moved in with her partner and tells me they both have savings, socail rent which is cheaper than her last private rental and I presume being split 50:50 so this time I don't feel like she is being honest about either of them having savings.
Her rent has gone up unexpectedly but it's her partners house. She is saying she has no way to pay the increase which suggests no savings, no buffer at all. She isn't looking at her partner to cover it either it seems as she is asking me. She needs 100% of the increase. I'm happy to lend her as I'm sure she pay me back. But this feels amiss. Either she is hiding her financial worries from her partner and has zero buffer. Or she feels more comfortable asking me than him. Her adult children are also well off.
I have two school age kids. I'm not sure I want to be the fall back everytime. I don't want to judge either but she has money for luxury items which suggests she spends and there's no consideration of saving a little buffer. But I do obvs as I do have the cash to spare.
Basically I don't want to be a ongoing first choice for money when she is now working and living with a partner. I'm basically being responsible for his rent? When I have lent in the past she's been in financial fix with no wages and no income. She is working right now. Is it mean to presume there's no savings at all? I need to have a word about how they going to cover the rent going forwards. Which isn't going to land well. But if I'm being asked for a loan I have the right to ask surely?