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Episode 11: "I feel cornered by a friend who keeps asking to borrow money."

Episode 11: “I Feel Cornered by a Friend Who Keeps Asking to Borrow Money.”



An anonymous reader has given a mouse a cookie—and now the mouse wants a glass of milk.

Except the mouse is a person, the cookie is money, and the milk is yet more money. Keep up, people!

This thorny dilemma comes from our Tumblr, which you should definitely check out! Piggy answers tons of questions for readers there, and posts lots of exclusive stuff you won’t find on the blog.

Today’s question

“How do I handle a friend whom I’ve lessened contact with because I’m afraid they’ll ask me for money?

“I let him borrow some when he moved into his new apartment and his roommate refused to actually pay rent or split utilities while my friend was crawling out of maxed credit cards. He paid me back but since then has asked more than once. I have five figures saved so I feel pressured to help out, but I want him to actually learn some lessons instead of coming to me for a loan.

“And as a followup: how can I know what is financially expected as you get older? I’m self-employed (internet work with hard depression) but all my friends have adult jobs. Yet they also all still have student loans and credit card debt. I paid off my student loans, no credit card debt, have 25k saved and just bought a house thanks to my techie significant other. I still have a broke mentality since my significant other has six figures saved. It’s hard to relate with my friends when there is such a mismatch of finances. We’re all in our mid twenties.”

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If the only time I hear from a friend is when she needs to borrow my car for the afternoon, I start to assume she likes the car a lot more than she likes me.

Are You a Frugal Mooch?

Sometimes, the quest for frugality can drive us to do ugly things. One of those things is mooching.

You probably know some mooches in your life. I know I do! In every social group, there’s That One Guy who comes to every party, eats and drinks as though he’s storing up for a long winter’s hibernation, and never offers to bring anything or chip in. He begs rides and never offers gas money. If you do him a favor, you’re extremely unlikely to be thanked with a kind word, a gift, or a return favor in the future.

On the other hand, in the rare instances where That One Guy actually orders a pizza for the group, out comes the calculator. He’ll send you a dead-serious Venmo request for $2.40 for your 1/8 of the pie. And no, he did NOT forget to factor in the tip, sales tax, or delivery fee.

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