People that owe you money

[finessence]

Double

 

[finessence]

Annoyed I hit on a sneaker raffle for my homie almost 2 weeks back. Money was taken outta my account immediately. Usually when I do something like that people are so happy they send money asap, somehow shoes have arrived and I repackaged to send to the homie yet still no payment. I figured what the hell and just shipped the shoes (this is my homie homie), told bro I got the shoes in the mail and total is 155. Figured he would get the clue and send it but nope.

Now I gotta figure out how to broach the subject without losing a friend.

Ps I've done well enough in life that some of my friends think I'm rich. I'm not, I have more disposable income because of my investments etc. But I hate people counting my pockets. I have a strong suspicion that's why my homie not pressed on getting that dough to me. What he doesn't know is that was my living allowance for the week. So he actually put me in a mental bind til that money hit smh.

THIS!
Ain’t nothing worse then irresponsible people think you “got it” because you don’t have any kids, are always on top of your expenses and you’re responsible.

this chic I talk to off and always talking about “well, you don’t have any kids or major bills anyway. You got it” Like bruh, just because ya’ll are irresponsible, don’t bank on me helping or don’t assumeI’m well off.

 

[160jordansdeep]

bottom line NEVER lend money and don't borrow money and you will never have problems

 

[cedric ceballos]

Sometimes you gotta just off people who are financially irresponsible, or if you intend on keeping them around, you need to be firm and shut them down each them they ask to borrow money.

I don’t feel bad cutting them off. They’re the type that’s willing to destroy a friendship or cause a strain amongst family because of their selfish impulses. They’ll borrow something and either take their time paying you back or hope you forgot and not pay you back at all, then have the nerve to look at you like you’re the bad guy because you have the nerve to ask for your bread back. If they think you’re doing well off of doing good, they feel entitled to get money from you. I had a cousin indirectly hint at me cosigning a car for him not too long ago. He didn’t outright mention it. But he was dropping hints like crazy. I see how he manages his finances, no way in hell would I do that lmao.

 

[DCAllAfrican]

I owe DCAllAfrican close to 10k after the business loan he thankfully gave me a few months back.

I got you man, thanks again!

 

[6 Rings G.O.A.T.]

My sister cashed a 1k lotto scratcher for my dad and she hasn’t given him the money....it’s been over a year now

 

[oidreez]

never again... and peep this. He JUST asked me for $300 the other day. I AINT GOT IT, PATNA!!!”

you loaned $2250 to your cousins BD and he did pay you back eventually. Of course he's gonna ask you again

 

[oidreez]

i'm just lurking through this thread. You guys are getting asked to borrow money from people who i assume are broke, then wondering why you didnt get paid back in a timely fashion. Why do yall think they are going to you instead of a loan office? Because they know you're more flexible being their friend/family

If you loan money to a family member, you might as well consider that a gift

 

[kingkoopa]

Money management is a personality trait, I'm seeing that more the older I get. In the past I hated asking for money but please believe I got it back the day I promised it.

I've got a close family member that I've had to deny multiple times and told them to pawn/sell something bc that's what I had to do when I was on a bind.

The fact that they can't go to a bank for a loan tells you all you need to know really.

This topic is one reason I'm glad I don't have a big family... Less people to hassle you for money.

Some people really get in these binds and think someone will help.

This some real silver spoon **** boi **** to say?

"Dont look at me, you better go pawn that tv!"

You used to borrow money from PEOPLE not the BANK, but now you in a better position you tellin your folk not to come to you go to the bank?

And I didn't know banks just out here handing out payday loans like that.

Must be a white privilege.

 

[cedric ceballos]

Here’s the thing. I have relatives and friends I would let borrow money if they fell on hard times. I trust their character and how they go about things enough to know they would do right.

But some, I rather just avoid the potential problems unless they’re willing to get everything in writing and there’s some type of recourse if they don’t pay back on time or pay at all. I know people who could get a loan if they chose to, but rather ask friends and family because they don’t like the interest rates with the loan, and the know if they get behind on payments, they’re going to collections and taking that hit on their credit. With friends and family they have more wiggle room to get behind on things.

If you’re going to borrow a large sum of money from a relative or a friend, you should be fine doing it under their terms and conditions and getting everything in writing and notarized.

 

[Fozz]

I'm just selective when it comes to relatives and friends asking for assistance. I've had former friends who asked money for a specific item they needed. I offered to buy that said item for them and they declined and made up some bogus *** excuse.

Nah, man. You're not going to play me and change the parameters of how I'm going to help you.

 

[s0lefunk]

I stopped lending money, only “donate” in amounts I’m comfortable never seeing again. Had to cut one of my cousins off recently. They’d ask for $40-50 once every few months over the course of 2 years promising to pay it back. It wasn’t a lot so I wasn’t trippin until I saw this dude on IG out partying. That was the end. I remember a time in my life when I was just scrapping by. Living straight off the dollar menu and staying my *** inside to keep bills paid and gas tank off E. Don’t know what he was going through but he was too old to be unable to come up with $50 to pay bills.

There is only one homie that could ask for whatever and he’d get it, no questions asked or payback needed.

 

[calye2da]

 

[Mark Antony]

My bro got a homie like this, low-key I feel it's a control thing. He begs for 40 every time he sees him but is always in new sneakers/gear, new additions to his whip, tricking on women in high end hotels, renting "stars" etc. Just reckless with his money but lax on priorities like gas because he knows his homie got him.

 

[finessence]

My bro got a homie like this, low-key I feel it's a control thing. He begs for 40 every time he sees him but is always in new sneakers/gear, new additions to his whip, tricking on women in high end hotels, renting "stars" etc. Just reckless with his money but lax on priorities like gas because he knows his homie got him.

Ain’t nothing worse then seeing cats put $10 in they gas tank. Foreign car, or American muscle care that’s practically brand new

The IG self snitching is hilarious too. Like n_ you JUST asked me for $100 but you on IG flashing goods or calling people broke. *****outtahere

 

[finessence]

Found my cousin BD ring in the rental car. I pawned that ***. Ya’ll gotta learn how to bait these leeches up.

I pawned it yesterday
They hit a lick a couple months ago too. And I cuffed like $1000

 

[JusaVibe]

It's a dude in here who owe money right now and you know who you are fam posting

 

[oidreez]

This some real silver spoon **** boi **** to say?

"Dont look at me, you better go pawn that tv!"

You used to borrow money from PEOPLE not the BANK, but now you in a better position you tellin your folk not to come to you go to the bank?

And I didn't know banks just out here handing out payday loans like that.

Must be a white privilege.

how is that white privilege ? Also what incentive does someone have to better themself if they know they can always come to you when they need bus fare or some gas in the tank or pay their cell phone bill (personal experience with family member)

 

[freakydestroyer]

It's a dude in here who owe money right now and you know who you are fam posting

 

[$tacy]

RUSSIAN CREAM this a perfect time to share the gavin story

 

[DCAllAfrican]

@ white privilege

 

[freakydestroyer]

bottom line NEVER lend money and don't borrow money and you will never have problems

Agreed that this is the way to go. The issue is when it is family or someone close, it is hard to turn them down. Another reason is you think what if someday you are in a tough spot and need help? My rule of thumb is to only lend out what I am winning to give as a gift.

 

[townbidness]

i got a uncle that be borrowing money to go on vacation with his 6 kids to mexico.
Dude be saying he will pay you back when he gets his tax return.

He be paying back, but What he dont tell people is that he talking about next next year because he owe someone else already.

how you go on vacation with someone else money .

 

[tomdiginson]

I don't lend anything I can't afford to lose. On top of it, If I know someone is doing foolishness with the money, I tell them to put a percentage on it. If you're in legit trouble and need bread, then I don't mind lending. I know someone who loaned someone 5k. The recipient of the loan ended up getting sick and dying. They left a will etc and nowhere instructed to pay back the loan. The person who provided the loan just took the L.

 

[kingkoopa]

how is that white privilege ? Also what incentive does someone have to better themself if they know they can always come to you when they need bus fare or some gas in the tank or pay their cell phone bill (personal experience with family member)

Its known how difficult it is for blacks to get bank loans.

"Just go the bank and get a loan" is really not an option for most black Americans.