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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:
Shakeyitoff · 29/12/2025 18:50

I have whinged about money with friends when we were deeply in debt and I was distressed about it. One even offered to lend me some money (bless her) which I refused, as we had enough for basics and the debt was our own fault and ours to sort. It’s involved a lot of learning and self reflection on how we ended up there. We have come out the other side with some brutal decisions to make along the way but have got there.

I can’t believe the gall of your ‘friend’. I’d echo everyone else and say ‘no’. Add on an excuse for why if you must although there is no excuse as you need an emergency fund of 3-6 months of frugal living if anything similar were to happen again anyway. It’s allocated.

I’d recommend watching rebel finance school on youtube about financial education, paying off debt and which first), emergency funds and investing. We’d made in roads before this but it has helped to focus our minds on future financial planning.

Oldandgreyer · 29/12/2025 18:52

OhMyLantern · 29/12/2025 16:16

She’s never even said lend. There’s no indication that it’ll ever be paid back. I just feel so sad she’s even asked and put me in this position and because I’m lacking confidence at the moment I’m struggling to install boundaries that I normally would.

Just say no.

If she falls out with you then it's no loss.

Bubblegob · 29/12/2025 18:52

Shutuptrevor · 29/12/2025 15:48

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

Do this. I sent a similar message in vaguely similar circumstances. Unfortunately not until after I'd already lent £700 that I'll never see again though. Please learn from my mistake x

silverwrath · 29/12/2025 18:58

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.

She's a fair weather friend. Keep her at arms length. Or preferably dump her cheeky arse. You owe her nothing. Please don't give her money. If she gave a toss about you she'd never have asked you for it.

Good luck in your new job and all the best for the future. 💐

Daaaaahling · 29/12/2025 18:59

You don't have to find an elaborate explanation. I would just say "I'm sorry, I can't do that". And leave it at that. If she rails at you, or begs, or asks why not just don't engage & change the subject.

You wouldn't be helping her she would just lose the money and your friendship (and some of her dignity).

Strikingitlucky · 29/12/2025 19:05

I would word it like this to her... Hi friend,
I'm really sorry i'm unable to help you with your debt as i've previously said to you, i am starting a new job and will need that money in case the new job doesn't go to plan. I'm here if you need me please reach out if you do need to chat.
Good luck in your new job 🙂

Hufflebuffs · 29/12/2025 19:05

Don’t do it, you need the money, she sounds like she would squander it and you would never get it back.

Her taking money from you makes her sound like a pretty shit friend.

OhMyLantern · 29/12/2025 19:10

Thank you all. I won’t be lending her anything. Had the whole spiel of “if I was in the same situation and you needed it, I’d do it without hesitation” which is a very easy thing for her to say considering she’s not.

OP posts:
Larose123 · 29/12/2025 19:12

Honestly, if you want to stay friends with her, I would tell her you have spent most of the money. Say you used to pay back all your multiple (fictional) debts. Offer to pay for a food shop for her. That way you are still offering support but making your boundaries clear

mumofb2 · 29/12/2025 19:16

OhMyLantern · 29/12/2025 19:10

Thank you all. I won’t be lending her anything. Had the whole spiel of “if I was in the same situation and you needed it, I’d do it without hesitation” which is a very easy thing for her to say considering she’s not.

This is terrible thing to say.. she’s not a friend

HiCandles · 29/12/2025 19:16

You shouldn't, and you know it. Well done for making the decision in your own mind. If you really want to soften the blow, you could tell her it's all accounted for already with debts, student loan repayment etc, but really you shouldn't have to. Though obviously the fact she's even asked and seems to think it's her entitlement to, reveals what kind of person she is. She's not going to suddenly say oh yes of course I shouldn't have asked, is she, so whatever you say is going to cause upset. Just remember she's the one that's caused this situation, not you.

EmeraldShamrock000 · 29/12/2025 19:18

Vultures exist in human form, preying upon the pieces of your soul. No fucking way would I lend a penny.

ThisJadeBear · 29/12/2025 19:28

OhMyLantern · 29/12/2025 19:10

Thank you all. I won’t be lending her anything. Had the whole spiel of “if I was in the same situation and you needed it, I’d do it without hesitation” which is a very easy thing for her to say considering she’s not.

Well you were in a dreadful situation and had a genuine reason to be suicidal and she did sod all.
And now she’s using blackmail.
Get rid of her OP. She’s vile.

Veryxonfused · 29/12/2025 19:30

She’s not your friend

WheresthesaladTheresthesalad · 29/12/2025 19:34

Absolutely not.
The audacity of her!

Okiedokie123 · 29/12/2025 19:38

Shutuptrevor · 29/12/2025 15:48

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

Perfect response. If she pushes back I’d delete and block. No true friend would behave like that.
Hoping that 2026 and your new job is a brilliant new start for you. x

KnottyKnitting · 29/12/2025 19:46

Some friend… Your situation and hers are in no way comparable. You needed help through no fault of your own. She has squandered her money and has totally caused her own financial issues. And then she has the audacity to lay it on thick with emotional blackmail?

hypnovic · 29/12/2025 19:50

No. Or if preferred.
I wish I could but unfortunately its all been allocated for necessities

JoyeuxNarwhal · 29/12/2025 19:52

OhMyLantern · 29/12/2025 19:10

Thank you all. I won’t be lending her anything. Had the whole spiel of “if I was in the same situation and you needed it, I’d do it without hesitation” which is a very easy thing for her to say considering she’s not.

Quick answer to that then is "but you didn't" surely?

CloudyYellow · 29/12/2025 19:53

Toddlerteaplease · 29/12/2025 15:47

No is a full sentence

This and drop her as she is a low quality friend.

mummytrex · 29/12/2025 19:53

You were in a similar situation and she didn't even offer a small grocery shop. She isn't your friend. Fade her out/cut her off.

ADHDdiagnosis · 29/12/2025 19:55

mumofoneAloneandwell · 29/12/2025 15:48

Just tell her to get to fuck 😭

This. But say it twice

oldmoaner · 29/12/2025 20:00

I'd say sorry no it's all tied up other than what I'll need till my first payday. Maybe ask your dad like I had to ask my parents, at least your working, ring people you owe money to and arrange payments then stop wasting money.

Mrsclausemunchingonamincepie · 29/12/2025 20:03

Tell her you were in exactly her position and borrowed off a family member....
Sorry it's tied up and block her. She isn't your friend.

nutbrownhare15 · 29/12/2025 20:03

She doesn't sound like much of a best friend