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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:
LavenderPup · 10/05/2024 22:26

A real friend wouldn’t take the piss like she is……you’re just enabling her if you give/loan money. She’s an adult and needs to be responsible for her own finances.

3luckystars · 10/05/2024 22:29

With respect, if you give her any more, you are only going to make the problem worse.

Don’t give her a penny PLEASE PLEASE do not do this, she will only get deeper and she needs help now.

Aske her if she has an Employee Assistance Programme at work, tell her contact them. Say you have some issues yourself and back away, back away from this mess.

By the way, she IS telling the boyfriend, a slightly different story and has borrowed from him too. BACK AWAY.

strangewomenlyinginponds · 10/05/2024 22:37

She's absolutely massively overstepped here. I would not lend her another penny. She should never have asked. Once could be a spot of bad luck, this is a pattern of behaviour. It's your money and you need it.

0sm0nthus · 10/05/2024 22:48

She has decided that she doesn’t want to work full time and has decided that you’re going to bankroll that
Oh yes, there's a reason she wanted to let you know that she's 'not cut out for full-time work', it's because you OP have been selected as her personal welfare system.
I can relate to her, I'm not keen on working full-time either but I accept that means my income is fairly low and I live within my means, she can't have it both ways.

Scotcheggz · 10/05/2024 22:57

Give her 1k. She spent that on you 4 years ago.

Takenoprisoner · 10/05/2024 23:04

Scotcheggz · 10/05/2024 22:57

Give her 1k. She spent that on you 4 years ago.

The op didn't ask for it, it was friend's choice. And it's now op's choice not to give friend money.

KomodoOhno · 10/05/2024 23:22

Hollysberries · 10/05/2024 19:52

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.

Topping up her wages?
What exactly does that mean? I've read that part 3 times and can't understand what she or you mean.

Why would they be paying her any 'more' when she's not logged into their system and doing any work.

It's all lies and you seem unable to see it.

I'm ready to quit my job to go work for this magical employer!

YellowTassels · 10/05/2024 23:33

Sounds like addict behaviour. Is she gambling?

k1233 · 10/05/2024 23:36

Don't be surprised if she ends up pregnant soon. Would get her out of FT work and, if she times it right, straight into BFs newly completed house.

friendlycat · 10/05/2024 23:37

There are so many things that don’t add up here that you recognise yourself.
But at the end of the day you need to focus on your financial situation and yours alone.

You’ve been kind previously but from what you’ve been told she doesn’t want to work full time. You do and reap the benefits of doing so. Why on earth do you think you then need to support her in a lifestyle that she clearly can’t afford. She has a partner/boyfriend that she’s not being honest with and it’s obvious she’s not being honest with you either.

Your own mental health is going to be suffering if you continue to twist yourself in knots trying to support her completely unrealistic lifestyle. She’s got to front this herself as you can’t continue to enable this. Of course it’s hard, but you can see for yourself lots of things that aren’t adding up or making sense. You really can’t be used financially in this anymore than you have been. You can be supportive but not financially so.

Girliefriendlikespuppies · 10/05/2024 23:38

She's not a good friend op I'm really sorry but she's not.

A good friend would never in a million years ask a single parent to 'loan' them 2k.

She's a CF chancing her arm.

Cornishclio · 11/05/2024 00:16

Definitely no to lending her the money. I suggest you tell her you are uncomfortable lending money to friends so won't be doing it any more. If that destroys the friendship you know she was just using you.

frankincenseandmyrrh · 11/05/2024 00:19

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.

Her asking/demanding this of you will hurt the friendship in the long run.

If you "loaned" (ie kissed goodbye to the 2k) her the money that would hurt the friendship in the long run.

Her placing you in a position where you don't feel you can just say no has already hurt the friendship, and will be hard to ever forget (and best if you don't).

It doesn't matter what she's doing, not doing - she is hardly going to be honest with you, and it is not your job to bail her out and risk your child's and your own financial future. If anyone should bail her out, it should be her partner.

If you do give her more money, it is pretty well guaranteed she will only make a token effort to pay you back a small part of it and when you suddenly need your savings (which she should not know about, really) they will be long gone. That will really hurt you and your child, in the long run.

Frangipanyoul8r · 11/05/2024 00:25

It sounds like through her MH struggles she’s lost sight of what is normal to ask of a friend. I think focus on that rather than quiz her over some deeper issue on why she’s got financial issues. Tell her asking for money is putting a strain on your friendship (which it is).

frankincenseandmyrrh · 11/05/2024 00:26

I'm so confused by it, none of it makes sense to me.

Because it is a web of lies. And she was only nice in the text reply and hoping to see you in person because she knows you'll be easier to manipulate face to face, when you don't have time to think through her bamboozlement.

Wanttobefree2 · 11/05/2024 00:59

HelpAGirlOut1234 · 10/05/2024 18:48

Oh no, I'm so sorry, this is honestly the last thing I can imagine but it obviously is possible. I would be so shocked.

She has text again since to say she promises there is nothing going on, she wouldn't lie to me and that it's just all the unpaid leave backed up. I really want to believe it

Surely her work wouldn’t leave her with zero income and she”payback” her unpaid leave over a longer period of him? Sounds like an odd excuse to me.

RoseGoldEagle · 11/05/2024 04:40

If I say no, I feel it could damage a friendship that I really really value so much.

She is the one who is damaging the friendship by putting you in this position. You may value her friendship, and maybe she values yours- but she values your money, and willingness to part with it, more.

You don’t need to over analyse this OP, no need to try and figure out where her money has gone/is going, what she is/isn’t telling her boyfriend and work- you just say ‘I’m not in a position where I can lend you any more money Jane.’ If you lose her over that then she was not a good friend in the first place.

babysharksasleep · 11/05/2024 08:06

Well there is something going on because otherwise she would ask her boyfriend.

In your position I would also be concerned that saying no would damage the friendship. However, the reality is that saying yes will also damage the friendship because it sounds like there is a real risk she won't repay you.

Given she has frittered so much money away and is clearly unable to manage her finances. If what she is saying is true, then she knew she was getting paid for work she hadn't done. She would have known this would catch up with her and that she would need to put the work in at some point. That day is now here and I very much doubt you lending her money will help in the long run.

There will be an impact on the friendship regardless. Keep your money for your benefit.

Tamigotxh · 11/05/2024 08:48

She has text again since to say she promises there is nothing going on, she wouldn't lie to me and that it's just all the unpaid leave backed up. I really want to believe it

If she’s just explaining herself that’s fine but if she’s telling you this to present a case to you why you should loan her the money it’s a bit out of order. You’ve made it clear you won’t.

Whether what she’s saying is true or not is true is her business, but either way she needs to find an alternative source to loan her the money - her boyfriend would be a good idea. Make it clear to her she needs to ask him. The nonsense about this will make him fail the credit checks is a joke.

Honestly I subsidised a friend with smaller amounts of money for years here and there, it probably added to about £300 over the years as well as always picking up the tab when we went out . I didn’t want to strain the friendship by making any of it a loan so I always said she didn’t have to pay me back and she didn’t. And looking back I wish I’d asked her to get if from her partner and father of child. He is far from rich but has enough money to smoke weed daily and buy computer games. As someone who lives alone I wouldn’t financially support who has a long term partner again. It’s backwards. She was taking advantage as well, like your friend is trying to do - because although I didn’t ask her to pay it back the door was always open for her to do so if she wanted to. That she never once tried to pay it back or even take me for dinner as a thank you shows she was taking the piss.

Your friend has been good with paying you back so far but it seems to be adding stress to the friendship let alone the risk she may not pay this larger sum of money.

Unless you choose to gift her a certain amount of money that you can afford to lose Stand strong in saying no to the loan.

middleeasternpromise · 11/05/2024 08:53

Your issue does not sound like its about where the money is going but that she is not tackling the root of the problem and is dealing with it through repeated borrowing. From you!

Money lending is a boundary issue, you either cross it by giving it or you hold it by saying no. Because you have lent her money she sees that boundary as permeable so she will try to get you to go there again. If you are determined to set it, you need to be clear on your grounds - irrespective of the reasons given for needing money - you position is that money lending will damage the friendship. You have already fretted about the request during your break away, that will cause you to look differently at your friend. Re-set the boundary now irrespective of the explanations given.

Even if she has been overpaid at work and they are now recouping the the payments for days not worked, the problem is not money, its a mindset of not being able to work the required hours she needs to in order to meet her outgoings. If you want to help your friend she would let you give your honest opinions.

MsCheeryble · 11/05/2024 08:57

HelpAGirlOut1234 · 10/05/2024 18:48

Oh no, I'm so sorry, this is honestly the last thing I can imagine but it obviously is possible. I would be so shocked.

She has text again since to say she promises there is nothing going on, she wouldn't lie to me and that it's just all the unpaid leave backed up. I really want to believe it

That still leaves so many questions - why is she taking so much sick leave, if leave was paid in the past why was she borrowing from you, why can't she ask her boyfriend, etc etc

Hollysberries · 11/05/2024 08:57

You've fallen into the 'victim and rescuer' syndrome @HelpAGirlOut1234 Read about it :)

This woman is not there to be saved or rescued by you.
She's an adult who needs to find her own way through this.

Even if you do 'love her' you need to show tough love.

Focus on your own life and let go of this. It comes over every so slightly as if you're enjoying being involved and a 'rescuer' which is perhaps something to be aware of.

It takes two people to create this situation.

Tamigotxh · 11/05/2024 09:01

@Hollysberries that’s exactly what I fell into with my childhood friend who kept relying on me emotionally and financially for most of our entire lives . And yeah in my case I did play a part in playing and reinforcing those roles.

theholesinmyapologies · 11/05/2024 09:09

HelpAGirlOut1234 · 10/05/2024 18:48

Oh no, I'm so sorry, this is honestly the last thing I can imagine but it obviously is possible. I would be so shocked.

She has text again since to say she promises there is nothing going on, she wouldn't lie to me and that it's just all the unpaid leave backed up. I really want to believe it

Even if it is all the 'unpaid leave backed up', I wouldn't give her your savings.

She needs to get proper help for her issues and start facing up to them. Bailing her out will continue to delay her from doing this. And you will likely never get your money back, either.

curiositykilledthiscat · 11/05/2024 09:10

I played the rescuer role for many years with a childhood friend who I finally put a boundary up about ten years ago with regard to not lending money to her again. The friendship never quite recovered, but many therapy sessions later I know I did the right thing and she’s never asked for money again. Fear of rejection was a big part of the dysfunction.

I think your response was perfect and I hope it all plays out well for you and her.