I know he has emergency savings but he has those for absolute emergencies ... life and death type emergencies.
Then he doesn't need to borrow off you
I would not be impressed and wouldn't loan the money myself in that situation - you putting yourself out to protect his savings/interest? Fuck that
He is very generous which I admire so maybe I need to put this down to a one off but watch it.
This is starting to sound like a "love rat con man" scenario.
There's a branch of my family who are con artists and this is pretty much how this scam works.
1 develop a relationship
2 be very generous/magnanimous at the start - this makes the mark feel indebted
3 invent a financial crisis but only ask to borrow a relatively small amount of money. This is paid back sometimes with interest which "reassures" the mark and adds to the indebted "bank"
4 gradually more financial crises occur, at first the money is paid back no problem
5 they start to delay repaying the "borrowed" money with various plausible tales and/or not paying back in full
6 eventually stop even pretending they're going to repay just give lame excuses. At this point they're usually developing a new mark
Personally, I would be wary of a man who is very generous and then needs to borrow money. I prefer someone who is careful with money and doesn't get into that position
Also true - easy to be "generous" with other people's money
There are VERY few genuinely unexpected expenses that occur for middle aged adults.
He's failed to plan and prepare that does NOT constitute an emergency on your part.
I've been on a tight budget most of my adult life, very tight at times to the point I've had to go without food and other essentials in order that dd didn't go without.
I like many others on a tight budget keep a detailed track of my finances and I have for decades now kept a rolling spreadsheet of them I do a 6 month projection twice a year, balance it all weekly to check all is as it should be and I'm then alerted to any potential issues.
I account for not only weekly/monthly outgoings but also infrequent ones and spread the cost across the year.
That imo is what sensible financially responsible people do. It also gives peace of mind and means if there's something that takes my fancy or more likely dds! Then I know straight away if I can cover it or not.
"Generous" is only a good trait if he can afford to cover his "generosity" and it's not true generosity if others are bailing him out when he cocks up
Regarding credit - as it's less than a month this will be an issue for (just until pay day) then using a credit card which he then pays off as soon as he's paid will make no difference to him whatsoever.
But I suspect there's a possibility his credit is poor.
Also 18 months really isn't THAT long, I wouldn't even describe him as a partner, he's a boyfriend. 18 months is still very much rose tinted specs stage...but long enough to persuade some it's a more committed relationship
Come to that, how come he can't borrow this money from anyone else ? His parents? Siblings?
Nah smells fishy to me.
If you do GIVE him the money write it off as a loss I think it's very unlikely you'll see it again and if you do I suspect it will be so he can tap you up again in the future.