You just explained hubby and I. We worked like dogs, lived within our means, bought houses we could afford and drove 10 yr old cars. I’m driving a 10 yr old car right now.
Now we can live the life we always wanted to. I am surrounded by relatives and people who did just the opposite and are barely surviving. They all ask me for money when they need it. I try to explain to them that borrowing from me will not help them because when it comes time to pay it back it will put them in an even worse situation. They think I’m just being hateful and mean. Guess they expect me to just give it to them so I usually tell them no. I have a good friend who borrowed $600 last month and is supposed to pay me back in a week. I expect it to end our friendship. Whatever. She has blown through more money in the last 10-15 years than we’ve ever had and is destitute now.
On that note, there was someone in my life that I really didn’t want to be around any more.
So I loaned them money. Haven’t seen them since.
Get yourself away from those leaches. Family or not.
I have a policy of $20 max, it’s a fair enough amount to see if I can trust ya.
$400 hasn’t been an emergency for me since I was 11.
I lives as you and SM and retired at 46. Zero percent interest hurts but whatever.
SS kicks in in6 yrs so I’ll be ok
“Guess they expect me to just give it to them so I usually tell them no. I have a good friend who borrowed $600 last month and is supposed to pay me back in a week. I expect it to end our friendship.”
Always tell friends, and usually tell family, “No.” You provided the reason for the former in your post. It almost always ends badly, in my limited experience.