Meet the Other Phone. Flexible and made to last.

Meet the Other Phone.
Flexible and made to last.

Buy now

Please or to access all these features

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:
Teentaxidriver · 10/05/2024 14:15

HelpAGirlOut1234 · 10/05/2024 14:07

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.

I am sorry - you sound like a brilliant friend. If you give her the money, all you are doing is helping her to kick the can down the road and she’ll never repay you/ ask for more in due course. Tbh I would lie and claim some unforeseen bill/ expense. Say you just can’t afford it. I agree with the pp saying tackle her about her money situation - you need to encourage her to address the mess, without bailing her out.

HelpAGirlOut1234 · 10/05/2024 14:15

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

Okay, this is much more my tone, thank you so much for this x I'm going to go and try draft something along these lines

OP posts:
Teentaxidriver · 10/05/2024 14:16

But make it clear - there will be no gift/ loan of money.

Sunnyandsilly · 10/05/2024 14:16

HelpAGirlOut1234 · 10/05/2024 14:15

Okay, this is much more my tone, thank you so much for this x I'm going to go and try draft something along these lines

Ok but she’s coming back at you for the money.

5YearsLeft · 10/05/2024 14:16

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

@HelpAGirlOut1234 , this is a good message! I would just remove the hedging words like “honestly” in the first paragraph and the two “really”s at the beginning of the second paragraph. It sounds more confident and leaves less room for argument.

I think what you have to remember through all this is that YOU’RE not damaging a friendship. Your friend has set up the situation for the friendship to be damaged, and only she can decide if she wants to damage a long, valued friendship over her poor financial choices. NOT over your decision.

Because you don’t know what tomorrow could bring. I know someone who had a million pounds in savings, was fine one day, got diagnosed with cancer the next, and spent most of it trying to increase their time. You never know what disease, what accident, what tragedy could happen, that will take require everything you’ve got to manage it - not just money, but your emotional fortitude, your mental health, your intelligence, your humor, everything.

So don’t spend too much time worrying about your friend OR the 1K trip in the past. They always tell you to do something nice when you get a big inheritance, she did, and that’s it. Draw a line under it.Send the message, and let the chips fall where they may.

WhataPithy · 10/05/2024 14:17

The holiday she paid for you was a gift, you do not need to give her 1k because of that. Please do not do that! You’ve already lent her £200-£500 for several months which is far more than I would have ever done.

If I was you, I would say your savings are earmarked for your son’s needs. Only a special kind of arse would then try to get their hands on it.

Munchyseeds2 · 10/05/2024 14:18

You don't need to tie yourself up in knots.
Just tell her that you can't lend her any money

user1471538283 · 10/05/2024 14:19

No!

If you loan her more money you may never see it again. Your money is for you and your DC. Every penny you give to her is a penny less for your DC.

I don't believe this nonsense about work topping up her wages. I bet she was let go and she is trying to continue her lifestyle but with your money.

It's insulting that she will take advantage of you but not ask her bf. Which makes me wonder what she's told him.

Again, tell her no!

WannabeMathematician · 10/05/2024 14:19

Try to make sure that you are explicit about not giving her the money. No “I think I can’t” (you’re unsure if this has to be a no) or “it’s locked up in savings” ( ooo start the timer until it’s released!) or “I’ll have to see later” (a combination of the first two).

I like @FabricPattern draft as they states it clearly and doesn’t give someone reading that message anything to argue with.

Irridescantshimmmer · 10/05/2024 14:19

No way.......just don't.
Your friend needs to sort her own finances out.

FriendlyNeighbourhoodAccountant · 10/05/2024 14:19

Do you even need to offer an explanation?

"Hi Linda, checked my finances and no can do. Sorry."

SallyWD · 10/05/2024 14:20

You say she knows you have the money in savings so you can't deny it. Again it's none of her business! You have a child so maybe you're saving for his future, maybe you want to invest it, maybe you simply don't want to lend it to a friend who can't manage her own finances. It's simply too risky. It's none of her business what you do with your own money. Don't justify and explain. Say you can't lend it now or in the future. Say the requests are making you feel uncomfortable and putting pressure on the friendship.

Lavenderblossoms · 10/05/2024 14:20

Never mix friendship and money. Do not do it.

Stealthmodemama · 10/05/2024 14:20

I'm a bit confused as to why if 2 people went on holiday with her - for 1K why you have to give her 1K back (is the other person being asked for money as well as you??)

I would just say sorry I don't have the money, she might think you have savings but she can't know.

How many friends are being asked to prop up her funds?

strawberry2017 · 10/05/2024 14:22

Hey, financially I'm not in a position to help you.

Short and sweet.
You don't have to justify anything to her.

0sm0nthus · 10/05/2024 14:22

The pattern of requests for money is similar to what you see in a scam, smaller amounts which are paid back (in order to build trust) and then a request for a much larger amount.

Stealthmodemama · 10/05/2024 14:22

Just seen your 'what about this message' .

Do not offer to buy food for her. (that could easily be £100 a week)

Idontjetwashthefucker · 10/05/2024 14:23

Don't try to justify why you can't lend her the money, just tell her it's a no, you can't afford to keep doing it and maybe suggest that she asks her boyfriend.

I think you'll soon find out how good a friend she is when you say no to her.

DrJonesIpresume · 10/05/2024 14:23

I wouldn't go for anything wordy.

Just reply saying that you would love to help, but unfortunately you simply can't at the moment.

If she replies asking why not, and asking what your savings are for, then it will just prove what I already think, which is that she is not a friend, she is a sponger.

Stealthmodemama · 10/05/2024 14:24

It’s been a pretty hectic holiday so not had huge amounts of time love but I’m not 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, please let me know x

HelpAGirlOut1234 · 10/05/2024 14:27

What do you ladies think of this?

Hey love, hope things are good, we’re just back this morning and the week has been hectic. I’ve had a look and I’m really sorry but I can't lend you the money. Can you meet for a cuppa soon? I'm really worried for you. I don't know why you’ve not been able to face work so much, and whether you have something going on that I don't know about, or why you feel you can't discuss this with BF. I feel there’s more at play here than you’re even telling me but 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 BF, 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 but I can’t afford to lend this money x

OP posts:
BirthdayRainbow · 10/05/2024 14:28

You're giving her too much information and too many things to dismiss.

hi friend, sorry you are struggling with budgeting. I can't help. Hope you get it sorted.

RedRobyn2021 · 10/05/2024 14:29

I'll never understand how someone like this can have such an amazing friend, who is quite clearly a best friend and I don't have a friend like this in my life when I would never treat someone like this, let alone someone I love.

HelpAGirlOut1234 · 10/05/2024 14:29

BirthdayRainbow · 10/05/2024 14:28

You're giving her too much information and too many things to dismiss.

hi friend, sorry you are struggling with budgeting. I can't help. Hope you get it sorted.

I understand what you're saying, but that sort of abruptness is not in my nature and will most definitely tarnish the relationship.

OP posts:
Anameisaname · 10/05/2024 14:29

HelpAGirlOut1234 · 10/05/2024 14:27

What do you ladies think of this?

Hey love, hope things are good, we’re just back this morning and the week has been hectic. I’ve had a look and I’m really sorry but I can't lend you the money. Can you meet for a cuppa soon? I'm really worried for you. I don't know why you’ve not been able to face work so much, and whether you have something going on that I don't know about, or why you feel you can't discuss this with BF. I feel there’s more at play here than you’re even telling me but 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 BF, 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 but I can’t afford to lend this money x

I think this is great well done