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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Not to loan my friend 2k

447 replies

HelpAGirlOut1234 · 10/05/2024 12:54

I need help. Feel like I’ve been put in a really awkward situation and o don’t know what to do.

I have a best friend, Jane. We have been best friends for 12 or so years and have been there for each other through thick and thin. For context she is living by herself with no children but has a BF of nearly 5 years, I am a single Mum to 1 teenager.

Jane started a WFH job about 1.5years ago and has had nothing but trouble with it. The job is great imo, comes with a good salary and amazing benefits and they have been unbelievably good to her. I also have a good job, making more than Jane by maybe 15k but don’t have the same additional benefits.

Her mental health has deteriorated during the course of this role and I personally don’t think that WFH full time suits her. She started asking me for money about a year ago, there was a period where it was between 200 and 500 every month for about 5 months. She always paid it back the following month but I just didn’t understand where her money was going. Except going on holidays, dinners out etc with a well paid BF who I think she’s trying to keep up with.

She eventually came clean with me last year that she wasn’t logging in for work on a regular basis. There is flexitime, unpaid leave and last minute holidays available in her role so she was just calling in last minute, sometimes for up to a week and just staying in bed from what I can tell so she needed the money to make up with loss in salary every month. I eventually told her one month that I couldn’t help, that things were tight for me and the requests stopped.

She has sought some help with her MH, has been taking various antidepressants. I’ve been there for her without question to help with all of this. One thing I have encouraged her to do is to speak to her BF as she hasn’t told him about any of this. He would text her or call to the house asking how her day was and she would respond as though she has been working all day. I really don’t agree with this, I think it’s not fair on him to keep this from him but it’s not my place to make a deal out of this. All I know is that if a partner of mine was lying to me like this, I wouldn’t want to be with them. But again, not my place.

I’m just back from holidays with my son, a holiday I saved for all year. The day before I left she sent me a long text essentially asking for a loan of 2k which she will pay back in instalments. Apparently her work has been topping up her wages when she has again not been logging in and now their policy has changed and she need to pay this back so will lose 2 months wages.

She said she went to the bank for a loan but that they refused saying she would need 6 months of full payslips. She said she can’t ask her partner as he’s currently building a house and his outgoings are monitored for mortgage.

I have serious issues with all of this:

◦	Why was I fronting her money last year if her wages were being topped up? How was she broke then? 
◦	How can a company just change their policy so quickly and stop all of her wages for 2 months. 
◦	Surely if they were topping up her wages, then she HAS 6 months of full payslips?
◦	I seriously doubt her BF bank is monitoring his outgoings that much when the mortgage has already been approved. He also earns a 6 figure salary. I believe she just doesn’t want to come clean to him. 
◦	I’m a single mother and have been for over 10 years. I have raised a child on far less than she’s being paid without maintenance payments. Where is her money going? 
◦	To ask me the day before my holiday for this loan and then to follow up with me when I was on holiday this week I felt was a shitty thing to do.
◦	She has had disciplinary action taken at work due to her absences and I’m not 100% sure how secure her job, or ability to pay me back is. 
◦	She had a payout of 70k about 4 years ago from an accident. She was very generous and spent about 1k taking me on a holiday with another friend, but I recently found out that all of that money is now gone, with nothing to show for it. 

I love this woman so much, I really do. And technically I have the money that I could give to her but none of this is sitting right with me and I hate the position that I’m now in. I feel if I say yes, I’m just bailing her out and there’s a chance she may not be able to pay me back. If I say no, I feel it could damage a friendship that I really really value so much.

How do I handle this? Am I being a bitch, should I just give her the money?

OP posts:
AllThePotatoesAreSinging · 10/05/2024 12:57

Fuck no. Tell her you can’t afford it. Wish I could help but can’t.

You actually can’t afford it if you had to save all year for your holiday. There is no magic money tree.

Toooldtoworry · 10/05/2024 12:57

AllThePotatoesAreSinging · 10/05/2024 12:57

Fuck no. Tell her you can’t afford it. Wish I could help but can’t.

You actually can’t afford it if you had to save all year for your holiday. There is no magic money tree.

Edited

I second this

PotteringAlonggotkickedoutandhadtoreregister · 10/05/2024 12:58

Noooooooo.

no.

just no.

ComtesseDeSpair · 10/05/2024 12:58

“Sorry Jane, with the increases to our overall cost of living I’m not in a position to loan anyone any money as my bills are higher and I need a savings buffer. Have you tried a credit union?”

If she thinks you’re a bitch then that’s up to her. You can find a new friend.

LadyMacbethssweetArabianhand · 10/05/2024 13:00

"I am no longer in a position to lend you any money. I suggest you contact citizens advice."And be prepared to lose the friendship. She may have mental health issues but you are not a bank. She's relying on you and that isn't fair. She needs to sort things out herself..

canyouletthedogoutplease · 10/05/2024 13:00

Absolutely not. No way. Not 2k now, not any more loans of any amount, ever.

If you love her you need to encourage her to sort her shit out, and the way to do that is by forcing her to face it, not enabling her to prolong it.

drusth · 10/05/2024 13:00

I guarantee if you give her this money you will never see her or the money again.

HelpAGirlOut1234 · 10/05/2024 13:01

See, I am tending to agree with you all but I'm pissed off as well that she's obviously lying to me about something and, for me, that's already damaged our relationship. I really want to get to the bottom of what the lies actually are, encourage her to talk to her BF and save this friendship without any damage. How do I go about doing this?

Or do I just say no, I can't help and try to move on. I know doing this will hurt us in the long run.

OP posts:
Bambinomino · 10/05/2024 13:01

No way.

I suspect she has a secret drug or gambling problem she's trying to hide.

Skippydoodle · 10/05/2024 13:01

Give her 1k, as a gift. That squares you up from her generosity taking you on the holiday. Then no more, just say you don’t have it.

Tamigotxh · 10/05/2024 13:02

Definitely not. There are so many red flags there which you’ve already identified and I don’t know exactly how you should say it to her, but the idea that her long term partner can’t loan her 2K when he’s on 6 figures because of a house project is absurd.

I would suggest that she reconsider asking her boyfriend again, but either way make it clear that you’re not give her the money.

Don’t say you can’t afford it if that’s not true, just say you don’t feel comfortable loaning money to friends, and it jeopardises the friendship which you hold dear. So, you’d rather if she stopped asking you for money from now on.

Edited to add: I like the idea a pp mentioned about giving her £1K as a gift since she did spend that on you when she got her payout, and then making it clear that’s the last loan or money gift she is getting.

IncompleteSenten · 10/05/2024 13:02

It would be a huge mistake.

If she falls out with you about it then so be it. Better that than paying her thousands to be your friend.

If you keep bailing someone out of their messes they will never stop making them.

QueenofTheBorg · 10/05/2024 13:02

Definitely do not give her or loan her the money. It's not your problem. I know she's your friend but good friends honestly don't behave like this..

drusth · 10/05/2024 13:03

Or do I just say no, I can't help and try to move on. I know doing this will hurt us in the long run.

If a friend stops being a friend because you won't lend them £2k then they're not a good friend.

Don't be emotionally blackmailed.

Tamigotxh · 10/05/2024 13:03

Skippydoodle · 10/05/2024 13:01

Give her 1k, as a gift. That squares you up from her generosity taking you on the holiday. Then no more, just say you don’t have it.

That’s a good idea actually. And make that the last money you send over to her.

HelpAGirlOut1234 · 10/05/2024 13:03

Bambinomino · 10/05/2024 13:01

No way.

I suspect she has a secret drug or gambling problem she's trying to hide.

Honestly, this is exactly what my mother said but she doesn't have a drug, drink, gambling problem. It would be possible to hide it and she honestly wouldn't know how to place a bet.

I think she's been keeping up with her BF, not being honest about her absences etc and is now in a hole. They're due to go on holiday in July I think and I reckon the money is actually for that. But this is not sustainable for her

OP posts:
drusth · 10/05/2024 13:04

She said she can’t ask her partner as he’s currently building a house and his outgoings are monitored for mortgage.

To ask me the day before my holiday for this loan and then to follow up with me when I was on holiday this week I felt was a shitty thing to do.

She would rather ruin the holiday of a single mum rather than ask her partner, who has the money to build a house.

HelpAGirlOut1234 · 10/05/2024 13:05

canyouletthedogoutplease · 10/05/2024 13:00

Absolutely not. No way. Not 2k now, not any more loans of any amount, ever.

If you love her you need to encourage her to sort her shit out, and the way to do that is by forcing her to face it, not enabling her to prolong it.

I agree with this too, she said she's had a real wake up call and is going to sort her finances out but I just don't believe it.

While I can afford to give her this money, I think she really needs to hit a rough patch to make sure it doesn't happen again.

OP posts:
drusth · 10/05/2024 13:06

They're due to go on holiday in July I think and I reckon the money is actually for that. But this is not sustainable for her

Funny how he has the money for holidays but she doesn't think he can lend her money.

I think she's going out of her way to prove she's not a gold digger and shooting herself in the foot and bankrupting herself in the process.

AllThePotatoesAreSinging · 10/05/2024 13:07

The fact she’s blown through 70k in 4 years - 17.5k a year is equivalent to a 20k salary - on top of her actual job. There’s no way she should need subsidising.

Tamigotxh · 10/05/2024 13:07

She would rather ruin the holiday of a single mum rather than ask her partner, who has the money to build a house.

Yeah I have to say I can’t stand women like this. I’ve ditched a couple of friends who think it’s acceptable to ask me for favours that they can’t even bring themselves to ask their partners.

ReineMarieGamache · 10/05/2024 13:08

Listen the friendship is doomed one way or the other.

If you 'loan' her the money, I doubt you'll see it again. She might make the first couple of repayments but then you'll be chasing and chasing and you'll not get it back. Then your friendship is over.

If you give her the money, she will be back to ask for more and you'll be back in the same position you are now. Then your friendship is over.

If you say no and she goes off in a huff, then you're in no worse position.

This is not your problem to solve. You can't fix this for her. Save yourself a huge amount of heartache and just say no. You can say it nicely but be firm. No.

HelpAGirlOut1234 · 10/05/2024 13:08

drusth · 10/05/2024 13:04

She said she can’t ask her partner as he’s currently building a house and his outgoings are monitored for mortgage.

To ask me the day before my holiday for this loan and then to follow up with me when I was on holiday this week I felt was a shitty thing to do.

She would rather ruin the holiday of a single mum rather than ask her partner, who has the money to build a house.

I know, this really stung. On one hand, I'm glad she feels she can turn to me, she always does in hard times, financial or otherwise. But to not ask him for the money, because I think she's trying to hide the fact she hasn't been working, while he's earning 6 figures and I'm a single Mum just hit me a bit. I do really think this is so she can afford a holiday with him in July as well. It's a bit shit isn't it?

OP posts:
pikkumyy77 · 10/05/2024 13:08

You are a single mother raising a teenager. You have—can have—no spare cash because you have no backup. She can forget or ignore that but you can’t. Just say no.

I realize how hard this advice sounds but she needs to get on top of her crisis sooner, rather than later. Right now (she says) its manageable at a (mere) 2000. If you loan it to her she will kick the can down the road and transfer the pain and anger to you as her new creditor while her debts continue to mount.

She is not in control of her finances. She has been robbing peter to pay paul for a long time. The 70, 000 pound inheritance and your loans helped her hide her collapse up until now. But the situation will collapse. Don’t let your friendship be destroyed y becoming her creditor.

Starsandflowers · 10/05/2024 13:09

Did you pay her back for the holiday?
I think if no and she spent 1k on taking you on holiday perhaps consider lending her that amount...?
But I think you are well within your rights to just say 'no I can't I'm sorry but I don't have thar spare' you don't need to explain yourself.
I certainly wouldn't be lending 2k as that's a huge amount that might effect you if she couldn't pay it back... which it's likely she couldn't.
If you do decide to lend her money lend her a realistic amount that she might be able to pay back or would not seriously effect you if she couldn't.
But as I said if you don't want to then just say no! There's a good argument for not doing as it seems she is becoming dependant on your money rather than actually sorting her problems out.
I'd say if you do lend some money you need to have a stern word with her about how this will be the last time and she needs to get a grip on things.

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