I’m amazed at how people can come to me to borrow money when even at my worst time I never asked them.

@Ducky And once you hold it against them, they still disappoint you, so what’s the point 🤷‍♀️

@cloudi
Anyone can run short of money at anytime because no matter how much you have, it is never enough to handle all circumstances.

The best that we can do is to learn how to manage the money that we do get. That involves a lot of strict discipline. The first step is to record every expense, no matter how small. Then, after a month, look at where you spent your money. You may discover some expense you can eliminate and others that you can reduce. The next month save all of that money and continue to keep records of your expenses. Continue your austerity program until you have saved enough money for a six-month emergency fund that will allow you to pay for all of your normal expenses. Do not touch this account.

Then continue your austerity program but put that money into your savings account until you have a year's worth of net pay saved up.

If you have extra time and energy, supplement your normal income by getting a part-time job. That will help you a lot. Once you get your six-month emergency fund and a year's worth of net pay saved up, start looking for a job that will pay more money and, if you find one, continue to add to your six-month emergency fund and your year's worth of net pay savings account.

But remember, if you are married you can expect push-back from your spouse on your austerity plan.

BTW, one of the easiest ways to save money when cash was used more than it is today was to simply save every five dollar bill that you got. You would be surprised how quickly they add up.

@cloudi Money changes everything
I said money, money changes everything
We think we know what we're doin'
That don't mean a thing
It's all in the past now
Money changes everything
They shake your hand and they smile
And they buy you a drink
They say, we'll be your friends
We'll stick with you till the end
Ah, but everybody's only looking out for themselves
And you say, well, who can you trust
I'll tell you, it's just nobody else's money

I borrowed from a very close EP friend with the understanding I'd pay it back when I could....there were no powergames and I paid them back four fold

@bookerdana you’re a rare kind 👍😊

@cloudi nah,i needed it when i asked,they REALLY needed it when i repaid

@HannibalMontanimal but do you still talk to him? Or how do you act when he’s around?

@cloudi We just went our own ways. We still talk like on snapchat here and there but I haven't hung out with him in a while. I would still help him but I wouldn't let him borrow $400 again

@HannibalMontanimal understandable

@DragonFruit understand the feeling

@fun4us2b very true

@plasticpants02 there’s a thin wall between pride and stubborn @fun4us2b

@cloudi lol, i know.

@SW-User there are moments you just gotta ask. I do ask for help, just maybe not money

@cloudi I don't like admitting I cant handle something.

@SW-User same. But I got to a point that everything’s overwhelmed me and I chose to just ask. Not everyone was willing to help and it did put me down even more. Nevertheless, there were actually some people that care.

@Viper true. Sometimes just gotta let it go or never let it go in the first place

@KingofPizza2 can I ask for the pizza?

@cloudi of course and always!

@fun4us2b I’m not that willing though. But sometimes I just can’t say “no”.

@cloudi It also depends on how much of a drain it is...

@Ryannnnnn do you ask though?

@cloudi nope

@Dino11
Borrow from Christians, they are supposed to give =
https://thebricktestament.com/the_teachings_of_jesus/on_giving/mt05_41.html 4 pictures