How to Deal With a Moocher

Do you have a good heart and do you find it difficult to tell someone who is asking you for money that you need to stop? It is very difficult to tell a friend or family member that you can no longer give them money.

Dealing with garbage can be stressful and difficult for your health. One way to help you think about this difficult matter is to make a financial impact on yourself. If you help someone financially and you have an emergency, will you be all right? Do you have an emergency fund? My recommendation is to have at least a year and a half of emergency fund before even considering giving money. It’s amazing how quickly you can burn out after losing a job or getting into emergency medical care.

To you, your friend or loved one may not seem like an asshole. In fact it may be a term you have never applied to this person. But are they? Can you afford to continue giving money to someone who constantly demands it? Suppose you are at work and about to have dinner, and a colleague constantly leaves you to pay the bill? Or suddenly they seem innocent to say, “Hey, I forgot my wallet, you can pay, and I’ll pay you back right away?” But when they return to the office, they never do. It can be an awkward situation for you and them. You may end up paying just for the embarrassment to end. But is it really fair to you who work hard to pay for someone else? Isn’t it true that they also work, so just don’t want to give up their money?

Once you start giving freebies, you can find it very difficult to get them to stop. Some of us also don’t have the heart to tell them “no”. My recommendation to you is to limit contact with tormentors for a while. I also recommend that you conduct a thorough audit of your own finances. If you see that a gift can hurt you or you really can’t support someone else, it can help you gain courage and tell them you can’t help. It is important to look at your financial situation and be honest with yourself. It’s good to have a giving heart, just make sure you don’t hurt yourself as a result.