How do you deal with friends borrowing money?

[rollyic]

pag ganyan, normally what i do is...
lets say 1k ang hinihiram at ang dahilan nya is somehow very important pero notorious sa hindi pagbabayad ng utang. binibigyan ko na lang ng 300-400 tapos sasabhin ko yun lang ang pera ko ngayon.
in that way, may chance na hindi na sya makakaulit kasi hindi nya napapabyaran yung una kong binigay. plus pwede kong isipin na maliit na amount lang ang nakuha sakin at tulong ko na lang sa kanya yun kung ano mang problema ang kinakaharap nya.

[_Cathy_]

If it is a small amount for you and that is the first time your friend will borrow money, I suggest to give it a chance.
Maybe it is an opportunity to know what is happening with her/him.

Be ready to charge it to experience though.

I am personally does not lend money to friends that easily simply because I know some of them borrow money for unnecessary things. And I do not have a lot of spare money to lend in the first place hahaha

It's just P2k. I offered him P1k but he did not reply to that anymore. I just told him I used all my cash this weekend and I have less than P2k in my wallet. So he said he will just get the 2k tomorrow so I told him I spent all my sweldo already. I think he does not believe me. Na guilty tuloy ako, dapat ata I should have just lent him the P2k pero almost certain ako wala ng bayaran yun. And I am having a hard time with money since this year I started paying for my gas

[yebo]

it is always very hard to lend money especially if there is no definite time of repayment. nangyari na din sa akin yan, they (living in partners) came to me to borrow a substantial amount but i told them i could not lend them the full amount since i have also my own obligations. i told them i could lend half of it so ok naman pwede na daw. eto hangang ngayon, 7 years later and hiwalay na sila kahit isang sinkong duling wala pa naibayad. i see the guy sometimes. wala lang, parang wala na talaga balak magbayad, para bang ang feeling nya since hiwalay na sila e wala na din yung utang nya. e siya yung friend ko, kaya ko pinautang dahil siya ang nagsabi. akala nya siguro i forgot about it already since one of our mutual friends also borrowed money and i forgave the debt. but that was a different story since the guy had leukemia and i even gave more for his medicines. akala nya siguro same din ang case nya na i-forgive ko yung utang. wala naman siyang sakit e. nakakainis pa panay post sa FB na kung saan nakarating, saan kumain, ano binili. siguro kung pipilitin nya in 2 months kaya nya bayaran yung 20k na utang nya ano.

kung small amount at kaya mong kalimutan sige, for the friendship na lang. pag malaki ibang usapan na yun.

[shadow]

2k lang naman pala eh, just give the money and get over with it.




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[Ry_Tower]

Ako if it's the first time, tapos hindi naman significant amount, I always give. Kung hindi bumalik, it's not a very big loss.

At least the second time he tries to ask me money I have a very good reason to say no.

Now, if ayaw mo talaga siya pahiramin because you're fairly sure he won't pay you back, you can always say na hindi ka nagpapahiram sa taong hindi tumutupad sa usapan, and then cite your BFF's case.


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Same here. Basta once lang, kapag hindi pa nakakabayad, siyempre hindi makakaulit.

Pero yung close friends ko na alam ko eh mahirap lang talaga katayuan ngaun, basta hindi more than P2K okay lang kahit more than once. Alam mo naman yan kasi na kelangan na kelangan lang at kapos talaga.

Pero yung ganyang hindi mo alam paggagamitan, huwag na lang.

[_Cathy_]

2k lang naman pala eh, just give the money and get over with it.




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Yeah. At least if he does not pay he wont borrow again. Mas kawawa naman bff ko almost 4k in total ang "utang" sa kanya

[holdencaulfield]

2k lang naman pala eh, just give the money and get over with it.




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shadow, pahingi ako ng 2k lang. ibibili ko lang ng ulam ngayong gabi. paki bilisan ah?



yung kaopisina ko noon pag hiniraman mo kunwari 30pesos lang lalakasan nun yung boses niya

sasabihin "30,000?!!! WAG MO DALHIN DITO SA OPISINA YUNG MGA ILIGAL NA GAWAIN MO! MAAWA KA SA ANAK MO PRE!"


kaya walang nagtatangkang mangutang sa kup*l na yun kahit singkong duling.

[ess]

I've this friend at the office who habitually borrows 5k from me. He has been doing this for the past 5 years. It was only recently that I discovered that he also habitually borrows 5k from 3 other office mates. Halos 20k regularly ang inuutang.

[_Cathy_]

I can't fathom how some people allow themselves to lose money to the point of borrowing small amounts from friends. Exception lang yung emergency (medical or disaster). Sa family muna ako mangungutang These are the times I miss my Lola (maternal). Pag umutang ako she gives more than I ask for but I don't accept the extra.

[_Qwerty_]

usually yang mga desperate mangutang.. eh malaki utang sa credit card and they have duedate to pay.. or.. may bisyo.. nagsusugal..