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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

To be upset my friend asked me for 5K?

365 replies

OhMyLantern · 29/12/2025 15:44

I’ve recently been through hell. I was bullied really badly by my manager, regarding my disability and it was well documented. I ended up having to leave my job and my mental health really suffered. I had no job to go to so ended up borrowing £5000 from my own mum and dad to cover my bills while I searched for a new job. Me and my employer recently settled outside of tribunal and I got £18,000. Again, it’s a nice amount but given I nearly lost my life through suicide and the stress it’s put me under it doesn’t feel like a win at all. I’m only just now rebuilding my confidence again.

I’ve paid back my parents, and luckily start a new job next month but will have to cover my bills until then. My best friend has however asked me for £5000 to help with her debts as they’re getting her down and she says she’s struggling to cope and feels suicidal . These are self inflicted debts by the way, think new nails, new car, holidays. She also lives with her dad and only pays for their food shopping and no bills, and earns around 2K a month so I don’t know how she’s racked up so much and even then, can’t pay it.

I'm also feeling bitter because when I was struggling for money and really on my bones, my friend didn’t even offer me a food shop or anything else. Hated listening about what was happening at work and brushed it off. Never offered any advice and always turned the conversation to herself.

I know I need to say no, that I don’t want to bail her out- but I don’t know how. I feel like I’m being unreasonable even though I’m not and I know I’d never see that money again. She hasn’t always been a bad friend as such, she does drive long hours to come see me and has done lots of little house jobs for me before.

OP posts:
Idontjetwashthefucker · 29/12/2025 15:46

No

Toddlerteaplease · 29/12/2025 15:47

No is a full sentence

Ponoka7 · 29/12/2025 15:48

Of she can't pay her debts back, how will she pay you back? In short, she won't.

Smartiepants79 · 29/12/2025 15:48

Do NOT give her anything. You need it for you. You will never get it back. Say no and she is no loss if she takes it badly and flounces off. Why are you still friends?

Tartansocksandcrocs · 29/12/2025 15:48

Please don't lend her the money, you'll never get it back.

Shutuptrevor · 29/12/2025 15:48

“I’m really sorry Jane, I can’t help. Hope you find a way soon though x”

mumofoneAloneandwell · 29/12/2025 15:48

Just tell her to get to fuck 😭

mumofoneAloneandwell · 29/12/2025 15:49

Shutuptrevor · 29/12/2025 15:48

“I’m really sorry Jane, I can’t help. Hope you find a way soon though x”

Or do this 🤭

Ticktockwatchclock · 29/12/2025 15:49

You won’t ever get it back if you agree. Just tell her all the money is already accounted for while you get back on your feet so you cannot help her.
She didn’t give you any help and you owe her nothing.

Bibonelove · 29/12/2025 15:49

Absolutely not!!! I would never dream of asking anyone for that amount of cash, You'd probably never see a penny back either , put yourself first

jollygoose · 29/12/2025 15:50

If you don't want to say a flat no tell her sorry the money is already accounted for.

pinksquash13 · 29/12/2025 15:50

Just say that you had to borrow more money off your parents to pay your bills and have now repaid so you don't have much left. Plus you've got to get through the month until first payday. Unbelievable that your friend lives at home and has managed to put herself in this position. Beyond irresponsible and definitely not your problem.

SoulSearchBeHonest · 29/12/2025 15:50

Ticktockwatchclock · 29/12/2025 15:49

You won’t ever get it back if you agree. Just tell her all the money is already accounted for while you get back on your feet so you cannot help her.
She didn’t give you any help and you owe her nothing.

This.

You might also suggest she look at sites to help her budget and repay her debts gradually.

LordsDill · 29/12/2025 15:50

Just say no. You could point her in the direction of CAB or Stepchange if you want to help.

AChunkOfPurestGreenMilady · 29/12/2025 15:50

No. Tell her you've spent it all paying off the debts you ran up while out of work?

Iloveacurry · 29/12/2025 15:50

Say no, she won’t pay you back.

TimeForATerf · 29/12/2025 15:50

Say you had debts of your own when you left your job and bills to pay until you start your new one, all true. There is no money to lend her. Don’t go into anymore detail.

CameltoeParkerBowles · 29/12/2025 15:51

"No, sorry, I can't" (don't elaborate further).
"Have you looked into debt counselling?"
It's horrible when 'friends' behave like this, and you are put in this position, especially after everything you've been through.

pinktonyclub · 29/12/2025 15:51

Absolutely don’t do it, especially if she is bad with money. Just say you need it in your savings as until you pass probation with a new job nothing is totally secure (of course, I hope you settle in and pass with flying colours, and can keep it as a nice nest egg)

Stanislas · 29/12/2025 15:51

You’ve put it in an interest bearing account which does not allow withdrawals.dont specify which bank.

HorrorFan81 · 29/12/2025 15:51

Absolutely NO

Just say you don't have that kind of cash to lend and sorry she's having a tough time

And I would spend less time with her. Doesn't sound like much of a friend

DramaAlpaca · 29/12/2025 15:51

This really is easy, just tell her No. You don't need to give a reason, but tell her it's needed for specific stuff if you must.

Presumably you told her about your settlement? It's best to keep quiet about that sort of thing.

FridayFriesDay · 29/12/2025 15:52

No, she isn’t a real friend tbh.

£5,000 is a huge amount of money to ‘loan’ to a person who has no control over their spending. They had no problem asking you for money, it was a question that can only have two possible answers, yes or no.

You need to answer no. If this offends them, that’s up to them. This isn’t your burden to carry. Their reaction to your answer will tell you how much of a true friend they are.

Well done for getting through all of this and good luck with your new job.

Sarah2891 · 29/12/2025 15:52

Christ's sake. No. She's really trying to guilt trip you out of that money. Please just say no.

Glittertwins · 29/12/2025 15:52

Do not lend her anything.