I have a friend who I have known for a long time, over 15 years. She is lovely but occasionally flakey. Seems terrible with money. Twice she's been broke and I have offered to lend her money which she was very slow to pay back. She has sold her house and told me she put the money in a ISA.
She has just asked me to loan her some more money. I have young kids, she doesn't and presumably has a pot of cash but prefers not to dip into it? When I ask her she tells me it's still in the isa. She keeps saying to me that she would help me out, but recently she offered to babysit ( I didn't ask) so I could go to to a family event. When I went to check the timings a few days before she told me she had made other plans. Leaving me with no child care last minute. She does things and invites say 3 friends but I'm never in that inner circle. I feel like I'm her plan b.
So all things considered I'm thinking she needs to ask her plan A friends or dip into her savings. I have been avoiding her since she asked. I just don't want to as I know she will pay me back slowly in dribs and drabs but most of all I don't want to be her default when cash runs out. Why not save up? Put money aside for emergencies? I feel like I'm going to lending her money forever. I initiallysaid yes but im regretting that now.