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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

For asking for my money back

61 replies

Moneyowed2021 · 30/11/2022 19:58

I should start with, this is mostly historical. But I’m trying to understand if I’ve done something wrong. Or if I should have done something wrong… (named changed because this is outing!)

so. I’ve been friends with A for almost 20 years. We have a small group of friends and even though we’re in different places in life we’ve always stayed fairly close.

Last year we all went on holiday. B did the maths wrong and at the last minute needed everyone to pay about £200 more per head.

A struggles with money. She rarely has any to spare and I can appreciate that may be difficult. However, for as long as I’ve known her she’s spent her money on things I can’t understand: multiple concert tickets for the same tour, makeup, etc etc.

I don’t struggle as much. I’m in a well paid job and my dad died unexpectedly when I was younger so I have a small inheritance. I appreciate I’m lucky to sometimes have the money I do have and I have a lovely home and life (although I would give most of it up for a second longer with Dad, but that’s a different point…) However, I budget extremely carefully, I rarely buy anything expensive.

I do, however, think that A has an idea I’m rich, because I have historically been happy to buy a round of drinks etc without any complaints or needing to split, etc.

so, back to the holiday. A couldn’t afford the extra amount so I offered to pay so she could still go. This was last year. July I think. I think she paid back a small amount, maybe £50, in September ish.

Since then. I had a baby in March- she briefly said she knew she owed me some money and I said not to worry about it for now. Nothing since.

Last month I messaged what I thought was a very nice message just saying “sorry, I know it’s a bit awkward, but you still owe me X. Can you figure out if you can pay me back before the end of the year? Let me know if it’s an issue.” Or something along those lines. She didn’t reply, but did transfer the money. So I said thank you. I was quite stunned to not have any message saying “sorry it’s taken so long” or any acknowledgement at all. It all felt quite passive aggressive.

Meanwhile, we’re planning a friend’s birthday party next year- it’s a big one. I’ve paid for the accommodation upfront, as well as for a meal. A has agreed to the price per head at all times. When I paid for the meal last month, a friend asked when I wanted everyone to start paying their shares. I’d paid most of it in August.

I figured out 50% per head and asked if everyone could maybe pay that chunk before Christmas. A piped up that she thought it was “short sighted” (in November) to ask people to pay anything before Christmas. I should add, we’re talking £60. It felt very pointed and directed at me - we still hadn’t (haven’t) spoken since I said thank you for the money. I left it that those who could pay, can, but if it’s not possible then it’s fine to wait.

I’ve since found out that A messaged B back when I asked her for the money and effectively said how awful I was for asking for money when she didn’t have any. Bearing in mind she’d just bought some very expensive earrings which cost over £400.

I’m just so upset that she seems to somehow think I’m the bad guy for asking for my money back. She seems to be going to other friends and trying to get them “on side” and they don’t seem to be biting but equally aren’t standing up for me either.

It seems to be absolutely immaterial to her that I have a young baby, on SMP, and that I also have to pay for Christmas too. And now I have to see her at the party which she still owes me for…!

it sounds dramatic but I’m really quite devastated that a friend would treat me this way.

So, mumsnet, was I unreasonable? Or have I missed something where i may have been unreasonable? Or is she just a CF who hoped I wouldn’t remember what she owes me?

OP posts:
converseandjeans · 30/11/2022 20:02

YANBU for wanting her to pay you back - but I think you gave her a mixed message when you said not to worry too much.

It sounds like she's trying to keep up and can't really afford to. We are in a similar position but we just don't go to things we can't afford and wouldn't expect a mate to bail us out.

Whatsthestorytomorrow · 30/11/2022 20:07

A couldn’t afford the extra amount so I offered to pay so she could still go.

Offered to pay or offered to lend her the money? How you worded it It makes a huge difference.

Moneyowed2021 · 30/11/2022 20:08

@Whatsthestorytomorrow Sorry, you’re right, definitely lending. Offered to pay for then but it was definitely clear it was a loan. In fact if I look back at messages she said she’d pay me back next pay day…

OP posts:
mangomary · 30/11/2022 20:08

yabu for continuing to pay for things in advance and then chasing money. you should only pay when you have people's money. makes life much easier and then if they have an issue making payment at that time, they would have the chance to discuss it.

Ineedsleepandcoffee · 30/11/2022 20:11

You are not unreasonable to expect your money back but I do agree that you are giving mixed messages and are being too casual about it. You need to agree with people what is expected in terms of repayment before paying out the money.

Moneyowed2021 · 30/11/2022 20:11

@mangomary but that’s how we’ve always done it? One person pays and the rest pays back. It’s never an issue with anyone else and we’ve always agreed the costs at the time. But yes, maybe we need to be a bit more immediate about it, like paying within a week. It’s just never been an issue and it makes it more straightforward for everyone else to budget.

OP posts:
Moneyowed2021 · 30/11/2022 20:13

Also, the original issue doesn’t come from me not giving clear terms. B got the maths wrong and we needed a quick resolution. A originally said she would pay back next pay day.

but okay, maybe I am too casual about it. I just thought I was being kind…

OP posts:
drpet49 · 30/11/2022 20:14

Your friend is being a dick. She can afford
to buy £400 earrings but can’t afford to pay you back. Then she had the audacity to slag you off to your friends about it.

I would never pay anything on her behalf again and would cool the friendship.

TheGoodEnoughWife · 30/11/2022 20:27

Unfortunately you seem to have got yourself in the position of being thought of as 'having money'. And this friend has positioned herself as 'in need'.

Hard to change that mindset but you were entirely right to ask for your money back. I wouldn't paying out for stuff upfront going forward.

wickedstepmothfker · 30/11/2022 20:55

Like others have said I’d avoid loaning money in future. Or if you do it again, say “Ok it’s costing £X per head, I need your money by X date. Is everyone ok with this? If not I won’t book your place”. I’ve learnt to my cost being ‘kind’ and ‘nice’ leaves you open to people lying and assuming the worst of your motives. Speak up next time there’s a group and have it out with the lot of them. “Why have you slagged me off behind my back? Did you know she wastes her money then pleads poverty? And why didn’t you stick up for me?”

CoffeeMama1 · 30/11/2022 21:00

Some people will never really think about others situations unfortunately. Last year a group of friends was planning a big trip and one person vetoed some accomodation due to cost, but the alternative was much more expensive for me and my DH & DC, we were one one income as my SMP ended and they refused to explore other options, so sometimes as crap as it is you just have to take people for what they give you. She will probably never prioritize these events, and that's ok she doesn't have to, but also that doesn't mean it needs to be you or others than bail her out. I do think asking for money around Christmas is hard, people budget all year for it, and if you look at it in terms of pay days it's tricky, people generally need a good 3/4 pay days to be able to accommodate something unexpected.

Moneyowed2021 · 30/11/2022 21:13

Thanks everyone, definitely some good points here… I don’t think I’m going to stop being kind or changing how I do things too much.

@CoffeeMama1 ’s points are especially helpful to me - if she’s not prioritising these things then it’s not my role to make sure she can go… She’s just historically been very upset about being left out and I want to avoid the drama. But here I am in drama anyway! So I will be trying not to worry if she can’t or won’t take part…

Thank you all!

OP posts:
MelchiorsMistress · 30/11/2022 21:23

she briefly said she knew she owed me some money and I said not to worry about it for now.

Something went wrong around this time in the story. Was there some particular thing that meant it would have been difficult for her to pay at that time? Tbh, while she should have made sure she paid it back no matter what you said, I can see why she’s struggling now. You said not to worry ‘for now’ and then decided it should be paid back at the most expensive time of the year.

MissMisss · 30/11/2022 21:53

Shes a cheeky friend. Top and bottom of it. Lends money hoping to not pay it back. Regardless if you've gave mixed messages or not, shes tried to get away without paying you.

In future I would say:
Yes sure I'll throw it all on my card so here's my bank details and once I have all the money in I'll make payment.

Moneyowed2021 · 30/11/2022 21:57

MelchiorsMistress · 30/11/2022 21:23

she briefly said she knew she owed me some money and I said not to worry about it for now.

Something went wrong around this time in the story. Was there some particular thing that meant it would have been difficult for her to pay at that time? Tbh, while she should have made sure she paid it back no matter what you said, I can see why she’s struggling now. You said not to worry ‘for now’ and then decided it should be paid back at the most expensive time of the year.

Honestly? I had just had a baby and it wasn’t at the top of my list. She said she was aware she owed me money, felt terrible about it, but would pay me back when she was paid some big bonus she was owed and that she wanted to sort it asap. I said, thanks, but don’t worry or get upset about not having paid it. The “don’t worry” was less a “never pay” and more a “don’t feel terrible about not having paid.” Or at least that’s what was intended.
also, is early November the most expensive time of the year? When does the normal year end and the Christmas-is-expensive-nothing-else-can-be-paid- time begin?

OP posts:
RunningFromInsanity · 30/11/2022 21:59

You said not to worry ‘for now’ and then decided it should be paid back at the most expensive time of the year.
I think this is the main issue, plus asking for the next lot of money before Xmas too.

But if she can afford £400 earrings then that changes it I suppose.

momtoboys · 30/11/2022 21:59

You are not being unreasonable wanting or asking for your money back. However, could you maybe just ring her and say "I feel like things have been awkward between us since I asked you for my money and I hope it won't come between us" or something similar. 20 years of friendship is a long time.

Clymene · 30/11/2022 22:04

Is she single? Is she happy about it?
Do you think she's resentful that you (presumably) have a partner and a baby etc. and so in her mind your life is easier?

Moneyowed2021 · 30/11/2022 22:05

Sorry @MelchiorsMistress I realise my last reply was sarky.

I suppose my issue with people saying how expensive Christmas is, is that it’s also expensive for me. And it’s been almost a year and a half of this money being owed. So (mixed messages aside) am I meant to just take the hit over Christmas, because someone else hasn’t got the manners to offer to pay money owed?

thank you @momtoboys I think it’s helpful to have that perspective! I don’t necessarily want to not be her friend, if I can get over the hurt of it…

OP posts:
SliceOfCakeCupOfTea · 30/11/2022 22:06

Yeah I would never ask for money back in November/December/January unless I was desperate. I budget to get through these months so I would be upset especially if I'd tried to pay back earlier on.
That said, she should have paid back asap whether you said don't worry or not.

Moneyowed2021 · 30/11/2022 22:10

Clymene · 30/11/2022 22:04

Is she single? Is she happy about it?
Do you think she's resentful that you (presumably) have a partner and a baby etc. and so in her mind your life is easier?

Yes single, not happily. I don’t know if it’s resentment but there definitely is an underlying idea from her that I have everything and she doesn’t. I think that’s partly why I’m always keen to make sure she feels included and isn’t upset - not guilt, but more I don’t want to make her feel worse?

OP posts:
Blueberrywitch · 30/11/2022 22:11

YANBU and you’re not being too casual about it! I pay upfront for things all the time and don’t give strict payment times, my friends usually pay me back fairly quickly and I send a quick text reminder if not. Sometimes they pay for things for me upfront and I can be slow at paying back as I am bad at admin, if they chase I apologise profusely and pay ASAP.

However, just to make you feel better, I once went away with a group and one of my friends bought a friend as a plus one - the so called friend never paid my friend back for a few bills that she covered at the time and also…. never spoke to her again - it was almost £1000!! She lived overseas and she has literally just disappeared off the face of the earth to avoid paying my friend back. So, some people are just really weird about money.

Moneyowed2021 · 30/11/2022 22:13

Blueberrywitch · 30/11/2022 22:11

YANBU and you’re not being too casual about it! I pay upfront for things all the time and don’t give strict payment times, my friends usually pay me back fairly quickly and I send a quick text reminder if not. Sometimes they pay for things for me upfront and I can be slow at paying back as I am bad at admin, if they chase I apologise profusely and pay ASAP.

However, just to make you feel better, I once went away with a group and one of my friends bought a friend as a plus one - the so called friend never paid my friend back for a few bills that she covered at the time and also…. never spoke to her again - it was almost £1000!! She lived overseas and she has literally just disappeared off the face of the earth to avoid paying my friend back. So, some people are just really weird about money.

Thank you! This sounds much more how my friends and I organise things. I don’t feel like we need to formalise times to pay back etc as I’ve never had an issue before.
oh that does make me feel better. Maybe some people just are different about money!

OP posts:
Moneyowed2021 · 30/11/2022 22:16

SliceOfCakeCupOfTea · 30/11/2022 22:06

Yeah I would never ask for money back in November/December/January unless I was desperate. I budget to get through these months so I would be upset especially if I'd tried to pay back earlier on.
That said, she should have paid back asap whether you said don't worry or not.

But she didn’t try to pay back? She said she would, she didn’t.
I’m also budgeting through those months, that’s why I could do with the monies owed paid back. I can’t see why there’s such a double standard where I’m meant to take the hit over the festive period, and somehow it’s rude to ask for monies owed then…?

OP posts:
CantFindTheBeat · 30/11/2022 22:23

OP,

You are casual with lending money and that sends mixed messages to some people.

You know your friend is shit with prioritising spends and budget. From your messages, it's been clear for a long time.

Yet you still enable her.

You need to get your own boundaries clear. You say to her 'no worries, in your own time', etc, and then you bubble in anger that it's not repaid in the timeframe you've internalised.

She's treating you like an older sister who's job it is to bail her out, because you've give yourself that role.

Step away from that.

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