My friend is always borrowing money from me but she always pays me back
I (26F) have a friend (28F) who is very bad with money. She hasn't worked in over 4 yrs due to depression. I admit I didn't work for a yr after I graduated for the same reason. I am now doing much better and I have a job and some money saved up.
We both live with our parents and do not pay rent or bills. I have enough to rent but it's not really in asian culture to move out before marriage. I pay for groceries, toiletries, travel to work, petrol, my driving lessons, phone bill, miscellaneous costs. My parents already owe me a lot of money as I helped them buy their current house. It's also part of why I don't pay rent or bills.
Anywayss, thats backgound info on my finances. I can comfortably lend money but I'm a saver (im aware my situation allows for me to save) but I generally never splurge anyways. My friend, on the other hand is terrible with money. She gets government benefits and somehow is always broke. She just spends without thinking and never had any money left before her next payday.
She borrows 20 quid here, 30 quid here, 40 quid here etc. She always pays me back but she's always borrowing. I understand she has depression and it genuinely is an awful thing to deal with. But that doesn't change she's bad with money. She just doesn't think. She goes on holidays and out with her friends more etc. Meanwhile, I'm always budgeting and always worrying about money so I can save for my future or for a rainy day.
It's not about the money. It's about her habits and how I feel like I'm bailing her out all the time. Or she thinks other people are rolling credit facilities. I don't know how yo say no when I'm not broke though.