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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:
Princesspollyyy · 10/05/2024 15:12

It's really simple.

You just tell her you're really sorry but you can't help. You don't have a spare 2k to lend her, you don't even have £200.

I don't see why this is even an issue? Just say no.

Princesspollyyy · 10/05/2024 15:13

Oops, sorry I didn't ready the full thread. Glad you've sent that message, let us know if she replies with anything.

SallyWD · 10/05/2024 15:20

HelpAGirlOut1234 · 10/05/2024 14:54

Okay, I've sent this

Hey love, hope things are good, we’re just back this morning and the hols were hectic, DC has me wrecked! 😅

I’ve had a look and I’m really sorry but I can't afford to lend the money. Can you meet for a cuppa soon? I'm worried for you. I don't know why the work and finance situation has gotten to this stage, and whether you have something going on that I don't know about, I just feel there’s more at play here than you’re even telling me. I’m worried as well about why you feel you can't discuss this with BF, he should really be given the opportunity to support you.

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 so incredibly important to me and I do want to help ❤️ x

Good. Kind but firm. I'm so invested in this now you have to let us know what she says 😅.

Codlingmoths · 10/05/2024 15:23

Well done op.
lending her money won’t help her change. She needs to become someone who can do a job and preferably before this amazing job she has gets rid of her. Lending her money just increases the risk that won’t happen. I would have wanted her gone long ago if I worked with her.

Tamigotxh · 10/05/2024 15:32

WearyAuldWumman · 10/05/2024 14:37

I pretty much did that with a friend who would borrow x, eventually pay it back and then borrow 2x.

discovered she was doing it with other former colleagues - would get a text: “I haven’t got a pot to piss in.”

Yes, she had 3 kids. Married. She was a teacher; husband was a nurse.

The last time she messaged to say “I have your money for you,” after not hearing from her for around 3 yrs, I told her to keep it.

That’s crazy. I wonder what she and her husband were spending their money on every month? Clearly living above their means and relying on others to provide them with short term loans. Embarrassing that she took 3 years to come back after the last loan.

Tamigotxh · 10/05/2024 15:41

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.

It may be linked to her mental health struggles…I think some people start off genuinely ambitious and independent etc but then life hits them and they struggle with the idea of financially supporting themselves long term and start banking on a man 😌

And yeah her boyfriend is wise to live in his home by himself for the first year.

That text you sent was very well worded btw I’d be interested to see what she comes back on. She can’t really respond in a hostile way because everything you said was so kind. I hope it spurs her on to open up and be honest.

She’s doing herself a disservice as well by not being honest. it can’t be great on her mental health withholding this from her boyfriend.

FredericC · 10/05/2024 15:44

HelpAGirlOut1234 · 10/05/2024 13:18

I can hand on heart say that there is no addiction issue. It can't be drink or drugs and it's definitely not gambling, I would bet my own life on it (pardon the lazy pun).

You're a bit naive OP. Not saying there definitely is or isn't an addiction problem, but the fact you think you can hand on heart say there isn't one, about someone who isn't you, is absurd. You can't possibly know that!

Ohnobackagain · 10/05/2024 15:45

@HelpAGirlOut1234 definitely do not help her out by lending her this money; it’s enabling her to carry on the behaviour. Ideally it would help if you could say you don’t have any savings left.

Thelaundryfairyhasbeenassassinated · 10/05/2024 15:45

Hope you get the outcome you want from your message OP. Hopefully you are just as important to her (as a friend) as she is to you and your friendship can get through this x

SavageTomato · 10/05/2024 15:46

I'm incandescent on your behalf. This so called friend deliberately asked you on the eve of your holiday, that she knew about, then asked AGAIN while still away. Thus fucking up your headspace. On your precious holiday. Tell her to fuck off. There's something very strange going on with her and it's not your problem. Stop excusing it as poor mental health. She knows exactly what she is doing and partly that is to fuck you over. And the 1k, Stop thinking you should return that too. She would have spanked that anyway.

MsCheeryble · 10/05/2024 15:46

HelpAGirlOut1234 · 10/05/2024 13:24

Because I live a nice life and she knows I wouldn't be spending the money I do without having money in the bank. For example I bought a new (for me) car recently, I'm going on another holiday in July etc.

I don't buy expensive clothes or makeup or anything but I'm thankfully in a much better position than a lot of other people... because I budget well and have really focused my time on increasing my salary with better jobs over the years.

She doesn't know how much I make or exactly what I have in savings but it's obvious I'm, very thankfully, not on the breadline.

That's OK. If she really needs an excuse, you don't have savings because you got the new car, you've paid for two holidays, and you've got a growing child who gets increasingly expensive.

You didn't work hard and save hard in order to subsidise your friend's holidays with her rich boyfriend.

Polishedshoesalways · 10/05/2024 15:49

Absolutely not. You are enabling her to continue rather than seek professional help.

Ohnobackagain · 10/05/2024 15:50

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 ‘really don’t think I’m going to be able to help’ needs to be ‘I’m sorry, I can’t help’. She doesn’t need all the reasons either. With kindness, she has to change her self-sabotaging (her job) behaviour and that won’t happen if someone bails her out every time. She needs to
stop spending money she doesn’t have.

mumda · 10/05/2024 15:53

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

First poster has it!

fatphalange · 10/05/2024 15:56

That message seems a bit handwringing to me and possibly a touch patronising depending on how she takes it, but with way you've shut down the sensible, short suggestions as too abrupt and friendship ending makes me think you'll be batting off more requests for cash in the very near future. She sees you as a soft touch. There was nothing wrong with not being drawn into a discussion re finances, drawing a boundary and going the subject on to whatever else you both have in common 🤷‍♀️

fatphalange · 10/05/2024 15:56

With the*

fatphalange · 10/05/2024 15:57

Changing the subject* sorry about the typos!

Nuttyputty · 10/05/2024 15:59

You've been kind to lend her the money, but she doesn't owe you or anyone an explanation for where her money is going. If she spent money on you in the past it sounds like she'd lend you it if it was the other way around. I don't think I could sit and watch a friend go with nothing if I had it. Although its your choice and you don't owe anyone, including her an explanation or apology if you don't want to lend it.

NWQM · 10/05/2024 16:01

Hope the message is well received. It's thoughtful and you are being kind

ArrrMeHearties · 10/05/2024 16:02

Omg no do not under any circumstances give her a single penny. She's a cheeky fucker of epic proportions. If she needed money she should been attending her work that she is contacted to

justasking111 · 10/05/2024 16:02

Lovely message. Her employer is breathing down her neck now which is no bad thing.

Randomlygeneratedname · 10/05/2024 16:04

Bloody heck 2k?!? I'm sitting here worrying about the £10 I owe my mate because my bank app isn't working and I have to wait for DP to get home and that's just for coffees and cake THIS MORNING!! Never lend money you can't afford to lose, with a situation this precarious, I doubt you'd get the money back and would be friendship over anyway.

ManchesterGirl2 · 10/05/2024 16:10

You know, you don't need to say that you can't afford to lend the money. Plenty of the posters here could afford to lend the money but wouldn't, because its not a sensible action. It's throwing money into an unsustainable problem rather than discovering and addressing the root causes - however much one cares about the friend, it will not provide a long term solution.

If "I can't afford it" is your reason, it always gives her something to resent - "oh HelpAGirlOut has bought a new sofa so she could have afforded to help me out".

It's fine to say "I'm sorry, i don't think that's a good idea / I'm sorry, I'm not comfortable with that" plus offering to help with budgetting and seeking support.

Horsewhisperers · 10/05/2024 16:11

Please be prepared for the fact that the friendship may now be over as you have refused her request.
I also had a close friend for many years who asked to move in with me when her landlord gave her notice. She had a good job and savings so would easily get another flat. I do not want a lodger and said no. She cut me off.

ManchesterGirl2 · 10/05/2024 16:12

And if she ends the friendship because you won't lend her money, then she is not a good friend.