Broke people who owe you money

@mommyboo (13174)
United States
February 25, 2011 1:32pm CST
I have a loaded question for you today.... because I have been faced with this way too much lately. My friends and family know this - I would do anything for a friend, I'd give you half my lunch, my last dollar, I'd try to help, fix a situation, bail you out whatever. However, I am stumped for what to do about this. I have a friend who I have helped on multiple occasions. Every time, she promises to pay me for whatever it is but when she has money. So far she never has, and I know it's not because she has NEVER had money in the last oh, year. I sold her two cell phones because she and her boyfriend needed them so they could be reached for jobs, etc. I didn't even charge her much, I could have gotten more than 3 times that amount for each phone on ebay. I'm just annoyed because I feel WRONG about contacting her and asking her to pay for them - and ONLY because she always seems to be broke! I don't want to 'take advantage' and I feel rotten for asking her because I am 99% sure if I can even get in touch with her that she will claim she doesn't have money. I also have another friend whom I know really doesn't have any extra money either, and I have told her on several occasions she can just pay me back for something later - again, I feel bad for even ASKING or REMINDING her that she owes me anything. Is it normal to feel that way? I can't figure out if it's just the fact that I don't want to make things worse for someone who may already be struggling - but is that fair to me to not hold them accountable? If anything, this dilemma is going to cause me not to want to be willing to help someone in the future, because it's going to bite me in the butt. What do you do about broke people who owe you money? Do you risk it by saying something to them, knowing they may either come unglued on you, not have the money, or worse, accuse you because you just asked for them to return the favor you gave them? I don't know if it's worth ruining a friendship over but people really need to not take advantage this way.
3 people like this
10 responses
@LadyMarissa (12148)
• United States
25 Feb 11
Honey, YOU did NOT ruin the friendship...THEY do NOT care about the friendship & they are NOT friends!!! I used to do like you until I dayum near went broke. So, I've made it a habit to JUST SAY NOOOO!!! Nobody sets out to purposely go broke. However, if they can't handle their finances so bad that they are always broke, WHY do you think they will handle your money any better??? So, I've learned that when somebody asks "Do you have some money I can borrow???" to immediately say" Sorry, I don't have it to spare." If you don't have the money to GIVE AWAY...do NOT loan it out!!! If they could handle their money in the first place, they wouldn't be needing to borrow more. STOP feeling guilty for not asking for it back as they DEPEND on you feeling guilty!!! You're an easy mark & that's why they borrowed from you to begin with!!! It's time to LEARN to say NO!!!!
• Romania
25 Feb 11
I totally agree. These kind of people are not trustworthy.
1 person likes this
@mommyboo (13174)
• United States
27 Feb 11
Thanks Lady M . I've missed you.. how are you? I am guilty... half the time I claim I do not like people, but I do, I mean I like to MEET people. It's so sad that finding someone who is a real friend is such a rare thing. Precious yes... but much rarer than it used to be when we were younger. I ticked off a good friend of mine recently by claiming that everybody except my husband acts like they are from... Jupiter or something... occasionally. I didn't mean it in a bad way, but in the last few months, it was really ringing true. The one person who was ever-constant.... was my husband. And everybody else I knew just wasn't lol. It wasn't a disaster and I wasn't shocked, it was just a realization I came to after thinking on it for awhile. I usually don't offer to let people borrow stuff unless they are someone I spend a lot of time with, and then it's not really borrowing.. it's more like - oh, you don't have cash, let me grab lunch or coffee or something for the kids this time - and then next time they do it. One other thing that bothers me is when someone claims to always keep their word and when you ask them, they don't even remember what they told you....
1 person likes this
@LadyMarissa (12148)
• United States
27 Feb 11
Hey lady!!! I'm doing GREAT. It's just that sometimes my non-internet life butts into my internet life. I'm sure you understand that one!!! "Real" friends are almost nonexistent anymore!!! That's why when somebody makes it to my heart's friends list, they become a cherished possession!!! My best friend & I have been friends for 59 years. Even though I was too young to remember most of it, I was at the hospital the day she was born!!! I guess I don't remember most of it because way back then you had to be 12 years old before you were allowed in as a visitor, but I was sitting in the lobby with my parents waiting for her to arrive!!! As much as I love her, I would NOT loan her any money because I'd never be able to forgive her if she started the lies & deceit that goes along with borrowing!!! I like to think she wouldn't do it to me, but I've NEVER loaned money that it didn't. I've lost several good friends from the same. I didn't run them off...they just quit coming around & I prefer to think it was out of their guilty conscience. There have been time, I have just handed friends money & said take care of your bills. A few have come back & returned it once they got back on their feet. Yet, I have NEVER "loaned" any money that has come back. So, if I don't have it to give, I don't loan it!!!! Last year I broke my own rule & let a good friend move into my home after she lost her job & her home. The deal was that she could live here for free IF she would help me around the house by doing some of the cleaning, laundry, cooking, etc. Oh she was saying "oh yes, yes,yes" as she was moving in. However, once moved in, she stayed in bed ALL day long...even going as far as to only get up to say I'm hungry. She did NOTHING toward helping me with the house. Actually all she did was expect me to wait on her!!! She had brought her dog with her as she just couldn't put it in a shelter...which I understood!!! Well, after about 3 months me waiting on her with not as much as a thank you, I told her very plainly that she better straighten up or ship out. You got it, I came home from work one day to find her gone...not even a note saying "kiss my azz". She did leave the dog behind for me to continue to care for. That's the BEST part of the story. I've lost somebody I thought was my friend. She no longer calls & she surely doesn't drop by to say hello!!! There are times I wish I had never tried to help her as I'd still have my friend!!! We had been friends for around 20 years & I miss her!!! Then again, I guess she was NEVER my friend or she wouldn't have done what she did!!!
@dawnald (85146)
• Shingle Springs, California
25 Feb 11
If they're broke, I either don't lend them money, or I lend it knowing that I have no expectation of getting it back. As for your friend, my dear old mama would say, "it doesn't matter what a bargain it is. If you don't have the money to pay for it, you can't afford it."
1 person likes this
@mommyboo (13174)
• United States
27 Feb 11
I guess I can look at it this way, it was never borrowing, it was a 'reluctant gift'... something they asked me for that I agreed to - and I could afford it so I did it...but I had HOPED they would honor me and pay it back. I just won't be as willing to say yes in the future.
@GardenGerty (160721)
• United States
26 Feb 11
I think it may be part of how we are set up, emotionally, as women. We want to help and we want to fix everything. My son got into some big trouble last year and we had to help him out, a lot. Now he lives with us. I told him to forget the amount he owed us, but to pay me x amount weekly for rent. He does pay the rent, but I feel guilty for expecting it from him. That is my problem. I do not loan money to people. Either I do not help them at all or I regard it as a gift. The one time I loaned quite a bit of money to someone, I got a large part of it back, then they moved, then I contacted them, then I got a further payment, then nothing. I will not seek them out again, I am just disappointed in them.
@34momma (13882)
• United States
25 Feb 11
I love helping my friends and family too. I enjoying helping them get ahead when I can. but my grandmother taught me a very valuable lesson when i was a little girl. She said " Never lend out more then you are willing to give away, Most folks will never pay you back." that always stuck with me. So my motto is this, "I will give you $20, but I'm gonna lend you $40." and with that said i pull out my promisery note and have them sign before i hand over a dime. Most people come to you with a true heart and the need of help. then you have those who just want a damn hand out. You go to your friend and let her know how you feel. If she is a true friend she will find a way to give you what she owes you
@mommyboo (13174)
• United States
27 Feb 11
Thanks for responding, girl. I guess for the most part I feel like I'm just 'donating' to her cause because her track record with paying me back or 'later' is dismal. She is actually the daughter of a friend - she's an adult, but she was just a child when I met her. She is a sweet girl but she has struggled to find jobs and keep them and the way this economy is dragging in the toilet, I can't expect more. I think all I can do is only feel free to help someone if I know they have helped me back in the past, or I know WITHOUT A DOUBT that they WOULD.
1 person likes this
• Saint Lucia
25 Feb 11
They say friends and family are those who hurt you most.I dont believe that because when you need a helping hand family and friends are who you turn to.I know people who owe their and never paid back.According to peoples court(tv)you dont borrow or lend friends and family money unless you are willing to lose them.When it comes to money we tend to forget the importance of relationship.I would say remind them that they owe you.Dont tell me you owe a friend and you dont remember.
1 person likes this
@mommyboo (13174)
• United States
27 Feb 11
If I owe a friend something I remember... but I would never ask a friend nor would they offer if it was all going to add up to nothing. Some of these people must lack integrity or they have multiple personalities... all I can say lol.
@dorannmwin (36392)
• United States
28 Feb 11
I used to be a person that would do the exact same thing that you've described doing. However, there came a point in my life that a wise man told me that you should never loan someone money if there is a chance that you are going to need it in the future. Instead, when you have extra money and a friend needs help, you should consider it to be giving the money to them. That way if they ever pay you back, it is great. But, if they never have the opportunity to pay you back you aren't going to lose a friendship over a few dollars.
@sid556 (30960)
• United States
26 Feb 11
Hi Mommyboo, I learned a long time ago not to lend what I can't afford not to get back. When I do lend, I know in my mind that there might be a chance of me getting it back. I've had that happen to me way way too many times and mostly from family or people I thought I could trust. I, myself, really don't borrow money hardly ever from people I love and if I do...I pay them back no matter what. Like you, I feel bad asking for it. Actually just yesterday I lent 10.00 to a co-worker that I am pretty sure just forgot about it....my bad. I feel so bad asking her that I'll probably just bite it. Still, I just don't ge that thinking. I don't understand why I feel worse than they do.
@maezee (41988)
• United States
26 Feb 11
Ayayay. Been there. With my mom, actually. She sounds a lot like your friend. I know it's hard, and that you want to help your friends, but there's only so much you can before you start screwing yourself over. Plus, with you always borrowing them money, they aren't learning 'independence', you know? I would say..don't borrow money to them anymore, especially if it ends up biting you in the butt every time. You have to draw a line somewhere. I hate mixing up money with my friends or even family, because it can tear relationships apart! It seems to always end that way, especially when one party can't pay the other party back. I think your friends need to learn to live without you as a crutch - learn to support themselves financially.
@magtibaygom (4858)
• Philippines
26 Feb 11
It's okay. You're doing great. Just be patient when people who owe you money failed to pay back what they owe. We know, because of your kindness, the world will reward you in due time. Just be patient and never stop doing good to others...
• United States
26 Feb 11
my answer probably no it's look like they took advantage of you for kindness next time be firm stand on your ground no means no.