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[quote=Anonymous]We live quite frugally for the HHI. We have given gifts to my brother because he has had some hardships and bad luck.  I give because he is an amazing person and he does a lot for all of us. He does not charge us any money for it but he should.  Anyways, I love him and his family and they are deserving of all help. He will give me everything he has if I asked for it,

DH gave 100K to a friend and 6K to a relative without any paper work, After many years I made a stink and the money was returned. However, the money was returned reluctantly and with lot of ill feelings.  I realized never to give a loan to anybody because that spoils relationships.  It is better to give gift and be done with it.  The interesting thing was that when we loaned the money we were told of the financial hardship these people were going through, but when they had money they were blowing it on luxuries instead of paying us back.

We were lucky because all of this money came back to us in Feb. Before COVID. So it became our emergency fund.  All I can say is that people are assholes. When they have to return the money they mind it because they feel that they are giving their money not returning your money.

A person who had to borrow money from you in the first place for basic needs (home, mortgage, medical, food) will probably  never be in a financial place to return it to you. [/quote]

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