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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:
Noshowlomo · 10/05/2024 14:02

For now I’d reply “of course I haven’t had the chance to look into my finances- im on holiday with my child and it’s hectic. Speak when I’m back” and forget about it for now.
To ask this on your holiday is so selfish. I’d also respond to her questions with questions. “Can I borrow £2000?” And you respond “why are you going on holiday if you’re skint and need to borrow money” and so on

Spinet · 10/05/2024 14:03

I'd just say 'sorry love, I can't afford it. Hope you get sorted' or something similarly vague and firm. You don't have to say why you can't because every explanation you use gives her a lever to argue with.

You can help her with practical things all the day long! But don't lend her any more money. You are in fact enabling her disfunction by doing so (with the best of intentions I'm sure).

Sunnyandsilly · 10/05/2024 14:03

HelpAGirlOut1234 · 10/05/2024 13:50

What about something like this?

It’s been a pretty hectic holiday so not had huge amounts of time love but I honestly don’t think I’m going to be able to help. Summer is going to be super expensive with all the outgoings I mentioned and on top of that, I have to go private for a scope in the next few months too which will be another 1k without any of the further procedures that might be needed. Then there’s back to school and all that brings…

I really think you should talk to BF. They’re really not going to be monitoring his outgoings that much with the mortgage. If it’s been approved, they’ve looked at historical stuff. I know you might not want to tell him the extent of what’s been happening but this could be a good opportunity to get it out in the open and get his support.

If I can help in other ways, like with budgeting, talking to the bank, food shopping, please let me know x

Op, with respect, stop fannying around. And stop going on about her boyfriend, she’s said no. Leave it .

send this. don’t say you think you can’t, or give excuses or haver on about her boyfriend. Just be firm and to the point.

It’s been a pretty hectic holiday but I have looked and unfortunately I’m really not going to be able to help this time, with unavoidable expenses coming in, I simply don’t have anything to give. X

SallyWD · 10/05/2024 14:03

HelpAGirlOut1234 · 10/05/2024 13:50

What about something like this?

It’s been a pretty hectic holiday so not had huge amounts of time love but I honestly don’t think I’m going to be able to help. Summer is going to be super expensive with all the outgoings I mentioned and on top of that, I have to go private for a scope in the next few months too which will be another 1k without any of the further procedures that might be needed. Then there’s back to school and all that brings…

I really think you should talk to BF. They’re really not going to be monitoring his outgoings that much with the mortgage. If it’s been approved, they’ve looked at historical stuff. I know you might not want to tell him the extent of what’s been happening but this could be a good opportunity to get it out in the open and get his support.

If I can help in other ways, like with budgeting, talking to the bank, food shopping, please let me know x

Honestly, I'm the least assertive person you can imagine. I'm one of those people who's always described as being "too nice" i.e. a pushover. However, even I'm cringing at how much you're trying to justify and explain the fact you won't lend her £2000! You don't need to go in to details about what you'll be spending your money on. It's none of her business!!
Even I (the people pleaser) would just say "I'm sorry but I've looked in to my finances and I can't lend you the money."
You say you have such a loving friendship but I'm gobsmacked that she's asked you for money repeatedly and now requesting thousands. You have a child to support, there's a cost of living crisis, most people are struggling. I'm sorry but I've never asked a friend for money and I never will. She's not behaving like a friend.

Ladyj84 · 10/05/2024 14:03

Sorry but no and I guess saying no will see if your friendship is real but the lending of money is becoming bigger and bigger amounts

Mothership4two · 10/05/2024 14:03

Agree with everyone saying don't add lots of reasons and be firm. Personally I would keep the conversation about her issues separate from the loan to not muddy the waters and I'd tread gently then.

Sunnyandsilly · 10/05/2024 14:04

Noshowlomo · 10/05/2024 14:02

For now I’d reply “of course I haven’t had the chance to look into my finances- im on holiday with my child and it’s hectic. Speak when I’m back” and forget about it for now.
To ask this on your holiday is so selfish. I’d also respond to her questions with questions. “Can I borrow £2000?” And you respond “why are you going on holiday if you’re skint and need to borrow money” and so on

Don’t do this, it’s just kicking it down the line and you still need ti tell her no.

LIZS · 10/05/2024 14:04

HelpAGirlOut1234 · 10/05/2024 13:50

What about something like this?

It’s been a pretty hectic holiday so not had huge amounts of time love but I honestly don’t think I’m going to be able to help. Summer is going to be super expensive with all the outgoings I mentioned and on top of that, I have to go private for a scope in the next few months too which will be another 1k without any of the further procedures that might be needed. Then there’s back to school and all that brings…

I really think you should talk to BF. They’re really not going to be monitoring his outgoings that much with the mortgage. If it’s been approved, they’ve looked at historical stuff. I know you might not want to tell him the extent of what’s been happening but this could be a good opportunity to get it out in the open and get his support.

If I can help in other ways, like with budgeting, talking to the bank, food shopping, please let me know x

Did she ask by phone or text ? This is way too long and gives her room to argue back. Keep it short and sweet. "I cannot help this time. Please speak to your bf instead" Also add a "Please don't ask me again as it makes me feel awkward and affects our friendship but am happy to accompany you to Citizens Advice for budgeting help".

HelpAGirlOut1234 · 10/05/2024 14:04

Tamigotxh · 10/05/2024 14:01

There's this as well, I know there's MH issues at play to some extent but she actually said to me recently she wasn't cut out to work full time... like WTAF? Does she think any of us are? Like we wouldn't prefer to be doing something else with our time? Like I wouldn't love to have not missed so much of my child growing up because I was working my ass off all the time?

interesting - as I said upthread it sounds like she’s trying to keep up with her bf and playing the long game. She probably hopes he’ll be her ticket out of working full-time so she doesn’t want to put a foot “wrong” financially before they’re married, and this is why she’d rather ask her friend than her bf which is unacceptable . She needs to be Honest with him.

There's a lot that resonates with me in this post. I genuinely believe that she's just waiting for this house to be built so she can move in and alleviate her financial obligations. It came as a huge bombshell recently when he said he wanted to live there on his own for the first year (which I totally get), she was really shocked and hurt by it.

Depending on men is not the type of women we are, so this has really upset me to see.

OP posts:
Teentaxidriver · 10/05/2024 14:05

NO FUCKING WAY. Do not torture yourself. She needs to sort her own life out and stop leeching off you.

Amx · 10/05/2024 14:07

I would edit your message to say I'm not going to be able to help, not that you don't think you will. You need to be firm from the off that it's a no.

Then send and it's in the court then.

HelpAGirlOut1234 · 10/05/2024 14:07

Teentaxidriver · 10/05/2024 14:05

NO FUCKING WAY. Do not torture yourself. She needs to sort her own life out and stop leeching off you.

I'm honestly so pissed off that I am torturing myself and dealing with this on the day we get back from holiday, it's just put a dampener on the whole thing.

OP posts:
Terrribletwos · 10/05/2024 14:08

Why does he want to live there on his own for the first year? It sounds like he doesn't trust her.

Sunnyandsilly · 10/05/2024 14:08

HelpAGirlOut1234 · 10/05/2024 14:04

There's a lot that resonates with me in this post. I genuinely believe that she's just waiting for this house to be built so she can move in and alleviate her financial obligations. It came as a huge bombshell recently when he said he wanted to live there on his own for the first year (which I totally get), she was really shocked and hurt by it.

Depending on men is not the type of women we are, so this has really upset me to see.

So she wants to keep leaching off of you till she can ger her feet under the table and have him pay for her,and she wants to pretend ti him she’s secure to get the best chance at that? So he doesn’t know she’s eying up his home and Wallet?

bloody hell.

FabricPattern · 10/05/2024 14:08

I would simply say;

Hi Friend. Listen, I can't lend you any money. I'm worried for you. I don't know why you can't face your job, whether you have something going on that I don't know about, or why you feel you can't discuss this with boyfriend and I want you to know that I'm here for you at any time to talk to. I'll help you with taking practical steps - budgeting, talking to boyfriend, seeking any support you need - but firefighting what ever is going on with loans isn't the way forward. You're really important to me and I want to help x

TwinklyRoseTurtle · 10/05/2024 14:09

HelpAGirlOut1234 · 10/05/2024 13:13

I think she knows pretty well that I would have this money in my savings so I don't think I can simply say that I don't have it.

OP can’t you say you’ve had an unexpected bill so can’t at present? Then back off from her, I feel your friendship is damaged anyway and she will keep asking for larger amounts of you do lend her, not acceptable she’s asking a single mum for money at all, she is one person, you are responsible for
a child single handedly and anything can come up so keep your money for yourself x

LIZS · 10/05/2024 14:09

Terrribletwos · 10/05/2024 14:08

Why does he want to live there on his own for the first year? It sounds like he doesn't trust her.

Perhaps he has good reason. Op do you ever meet bf ?

Foxyaus · 10/05/2024 14:09

Don't wishy washy it; don't say "I don't think I can ", because she will guilt you into saying yes.

Be firm - "I'm sorry I can't loan you any money now or in the future" and repeat that as the answer for anything she says .

It's tough love, but absolutely necessary.

You don't fix money problems by giving people money when they have proven themselves to be bad financial managers.

Sunnyandsilly · 10/05/2024 14:09

Terrribletwos · 10/05/2024 14:08

Why does he want to live there on his own for the first year? It sounds like he doesn't trust her.

Why would he not? What sort of question is that. They aren’t at the moving in stage yet.

MrsLeonFarrell · 10/05/2024 14:10

The more you explain, the longer this will go on because she will argue back on every point and keep pressuring you. I would message,

"I cannot lend you money anymore. "

Short, to the point and no wiggle room.

Sunnyandsilly · 10/05/2024 14:12

MrsLeonFarrell · 10/05/2024 14:10

The more you explain, the longer this will go on because she will argue back on every point and keep pressuring you. I would message,

"I cannot lend you money anymore. "

Short, to the point and no wiggle room.

Exactly.

I don’t think translates as maybe I can
i have all these expenses, translates as I’ve the money and time. So if you pay me back we’d be good.

the op just needs to say no.

Mostlyoblivious · 10/05/2024 14:13

It sounds like she has some huge MH issues here which you can’t solve and she needs better intervention for. If you could afford to, I would probably gift her the £1k and say that’s it. I would also offer that sexy excel spreadsheet again, I’d bite your hand off for it as someone who is rubbish at budgeting 😆

EliflurtleAndTheInfiniteMadness · 10/05/2024 14:13

HelpAGirlOut1234 · 10/05/2024 13:50

What about something like this?

It’s been a pretty hectic holiday so not had huge amounts of time love but I honestly don’t think I’m going to be able to help. Summer is going to be super expensive with all the outgoings I mentioned and on top of that, I have to go private for a scope in the next few months too which will be another 1k without any of the further procedures that might be needed. Then there’s back to school and all that brings…

I really think you should talk to BF. They’re really not going to be monitoring his outgoings that much with the mortgage. If it’s been approved, they’ve looked at historical stuff. I know you might not want to tell him the extent of what’s been happening but this could be a good opportunity to get it out in the open and get his support.

If I can help in other ways, like with budgeting, talking to the bank, food shopping, please let me know x

I wouldn't put anything in about food shops. I think you have to draw a hard boundary on money, so she doesn't the bank of helpagirlout is available as an easy back-up when she's overstretched herself. Knowing theirs money you can just borrow anytime changes how you think about your budget and spending.

Sure shout her lunch, but as a competent adult she needs to pay for her food and bills every month and save up like the rest of us who haven't got an obligingly friend to step in.

I'd include something about helping in the future too, as in you can't, no more lending money at all. Make it clear once then if she brings it up again at any time in the future just a no, no explanation. And don't be tempted to soften the blow by saying anything like don't worry if you're about to be homeless of course Id help. This isn't a situation you can fix with kindness.

HelpAGirlOut1234 · 10/05/2024 14:14

@Sunnyandsilly the reasons he gave were that he has never lived on his own (always house shares and now with parents to save money) so he wants this house to be his first home on his own. I 100% agree with him and told her as much.

If I was building a house on my own, while in a long term relationship I would do the exact same thing. I would want to put my stamp in the house before anyone moves in so that if the relationship fails, the house still feels like it's mine, particularly as it's on family land.

OP posts:
fatphalange · 10/05/2024 14:14

Writing such a long text to her makes it seem like you're open to conversation and 'haggling'. Also, that you would pay for food shops for her? You know she's got a brass neck on her so why open yourself up to further requests? It's pissed you off. Why tiptoe around her when she's hurt you like this?