how to talk to a friend about money?

Sometimes when people are stressed, they lash out at the people they feel safest with. It doesn't make it right or easy to deal with, but it makes it easier for me to deal with them if I understand why they are being jerks. I agree with a PP - don't ditch a 10-year friendship until you've talked to her about this.

She already talked to her. Actually it is probably healthier for the OP to NOT talk to her about it in order to maintain the friendship.

OP will be coming off "holier than thou" with her friend if she beats her over the head with this.
 
FYI--this is not an issue about money.

This is an issue about a friend who wanted to use you and now is having a pity party and blaming you that her plans fell through. Which makes sense since her plans somewhat depended on you.

You did nothing wrong, you are not at fault. I would probably discern the value of the friendship and if it was something I wished to continue. If my worth as a friend is only based on timeshare loaning and spring break plans--then I would not be much of a "friend" and wouldn't want to be that kind of "friend".

I wouldn't necessarily say anything--but just be assured, this isn't about money and your friend seems shallow.
 
FYI--this is not an issue about money.

This is an issue about a friend who wanted to use you and now is having a pity party and blaming you that her plans fell through. Which makes sense since her plans somewhat depended on you.


I wouldn't necessarily say anything--but just be assured, this isn't about money and your friend seems shallow.

See this is what I can't get around. Op, supposedly has been friends with her since 7th grade. That's almost 10 years. Sorry but people don't just "turn" shallow.

I agree with it not being op's fault. I'm just not one to "drop" my true friends at the slightest provocation. Some thing is going on, IMO.
If op's worth was based only on what she had, op took 10 years to figure it out? People don't just become "entitled" or "lazy" and 10 years is a long time to be good friends with some one and not know their personality. Now I do agree that some times we outgrow our friendships but usually that means one of the parties some how has "changed".

Op, I would step back from the situation though. tell your friend that this trip is not going to happen but you hope that she has a great spring break, and tell her you hope all is well with her.
 

You have been friends for a long time and now you are making the jump to an adult lifestyle. Your friendship may survive all these changes, or it may not. If you are thinking of medical school and she is thinking of entering the workforce soon, your lives will be very different. You will have much less time to hang around and she will be expanding her social circle in a new area.

You can try to stay supportive and keep in touch as well as you can, but a few years down the road, this relationship may be on the back burner for both of you.
 
Your friend needs to grow up and stop imposing on people. She also needs to stop this inferiority complex and stop assuming that everybody will have more than her. You're going to be a doctor - that's great. You'll make great money one day. But you'll also have to fork out a lot of money for med school. Your friend is acting like an uneducated perpetual victim. She needs to do all this growing up before she graduates and then has other challenges too. Or maybe graduation will knock her into reality.

When I was in high school, I was kind enough to drive my neighbors to school. One began to ask if we could pick up her friend along the way. I said okay since it was along the way. But this friend wouldn't come out of the house for ten minutes. I finally grew a backbone and stopped picking her up…to which my neighbor got mad. "What's the problem? I don't see the big deal." She just didn't get it and tried to make me feel like I was wrong. I ignored it the best I could. Neighbor eventually stopped driving with me. Oh well…
 
Yep, making it even more presumptuous on the friend's and Collegejunkie's part.

I don't think the OP ever considered that using the family condo was even an option for her trip with friends. She knew the condo was reserved for a family trip later. It's precisely because she never assumed the condo was the "designated lodging" for her and her friends that she was taken aback when her friend assumed it WAS and got in a snit that the friend group could not use the condo.

I notice the friend is really adept at designating what resources will be used.....and none of them are hers. YOUR condo, YOUR car or that of the OTHER friend, etc. I can empathize with a college student with little to no money. I was that girl. But I NEVER expected my friends to subsidize my vacations or even a night out with the girls. :rolleyes1
 
...

I notice the friend is really adept at designating what resources will be used.....and none of them are hers. YOUR condo, YOUR car or that of the OTHER friend, etc. I can empathize with a college student with little to no money. I was that girl. But I NEVER expected my friends to subsidize my vacations or even a night out with the girls. :rolleyes1

Exactly. This girl needs to get all that in check or she going to be an opportunistic adult.
 
Your thread should not be titled "how to talk to friend about money" because the issue isn't money. The issue is "how to talk to friend about what it means to be a friend."

Item #1 Passive Aggressive Behavior = One Way Ticket off Friend Train

Item #2 Name Calling and Insults = One Way Ticket off Friend Train

Item #3 Generally Acting the Fool = One Way Ticket off Friend Train


Sticks and Stones to a certain extent, but I'd be very direct with my "friend" and say, "Hey - you and I have been friends a long time. I'm pretty upset about a couple of things that you've said and done - here's what they are. I enjoy our friendship, but I cannot accept being called names and having to incur your wrath over something like a vacation planning conversation."

When it comes to the vacation, again, very direct.

What do we want to do that is within our budget. Set a budget, be done with it. Or decide to do separate things for Spring Break and don't feel the least bit guilty about it.

:banana:
 
Ok, she is one of your best friends and that means you know her pretty well. Is this the first time she's behaved like this? You do say this is the first time any thing like this has been a problem.

If one of my life long friends starting wacking out on me, I would not simply write them off.
Yeah, I'm thinking along these lines too. If the OP'd known this girl for six months and she started acting like this, I'd be ready to write her off as a friend-mistake. But that's not the case. She's known her for years and years, and I agree that she owes this long-time friend the chance to "make it up" after so many years. Perhaps this isn't a friendship that'll transition into adulthood, but she owes her the chance.
she also gets mad that she won't make as much as i will in the future. well, i want to be a doctor, and she wants to be a college career counselor. that was a choice she made and this is the choice i made. it's things like that where she wants to do what she wants and still expects to get what everyone else will even though there are clear rules/established ways that these things work. if she wanted to go into medicine, then she certainly could have. i never talk about being a doctor for the money or anything like that, so i don't know why she always brings it back to that. i love science, i love helping people, and medicine is really cool to me, just like advising students on graduate schools and programs are fun for her.
Maybe you don't stop to think about money, but a kid who's been raised "without" thinks about it all the time. Again, I was that kid, so I know. Whether she's been saying it or not, I promise you she's been thinking about money all the time: Someone asks about going to the movies next weekend, she has to stop and tally up what she has in her account, what she has to pay between now and then . . . and then she can say yes or no.
Stop right there. You have already addressed it with her so you are done. There is no need for any further discussion with her about spring break. Drop it. :thumbsup2
Agreed. You've said what you needed to say about the spring break trip. No need to rehash something unpleasant. At best, she realizes that she overstepped her bounds. At worst, you just won't discuss it anymore.

I have a friend who's pretty bad about asking to borrow money (or things), who assumes that what's mine is hers . . . although we get along well in all other ways. So when she brings up something I don't want to discuss, I just turn the conversation in another direction. Sometimes I have to keep working at it, but she's learned that I just won't discuss how I'm paying for my kid's college or how much I have in my savings account, etc.
How about you tell her she needs to get a job, and earn her own way in the world. Seems everyone around her is enabling her "mooch" mentality. If she doesn't have to pay living expenses, why doesn't she have any money? Sounds as if she may be lazy.
If they weren't college students, I'd agree. But in this case, I don't think the OP is well off because of her own efforts; it's because she's fortunate enough to have the financial support of her family. Likewise, the friend in question isn't poor because of her lack of effort; it's because she has a family who can't/won't help her financially. For a college student, just getting by is enough. Give them a few more years to get out in the professional world, and they'll each be responsible for their own results.
Sometimes when people are stressed, they lash out at the people they feel safest with. It doesn't make it right or easy to deal with, but it makes it easier for me to deal with them if I understand why they are being jerks. I agree with a PP - don't ditch a 10-year friendship until you've talked to her about this.
Agreed.
 
I'm seriously surprised that there are people who are willing to excuse this kind of entitled behavior because she doesn't have money. Really? Now it's okay to insist people take you on a trip to WDW because you've had a hard life and have always had to worry about money?:scared1:
 
You know, I think that it is telling that all of this seemed to start coming out in the open after the friend did the College Program.

I've never been a CM, nor have I ever known one really closely, but I have a gut feeling that when one is on the other side of the stage and seeing all that money being blithely dropped by guests, a certain amount of sublimated class envy might bubble to the surface. More than likely, the OP's friend has just realized that she is standing on a sandbar watching the tide come in and realising that very soon she will have to swim for it, and a certain amount of resentment is boiling over.

I was one of those poor kids, but we have some family who had money, and my parents were very self-conscious about being the poor relations. They drilled it into us over and over that we were NEVER to take monetary favors from friends, and the lesson stuck. For that reason, over time I found that friendships with people who had a lot more family money that I did just tended not to work out, because I could never afford the social life that they took for granted, and it just got more and more awkward as we progressed into adulthood and I could no longer hide behind the excuse that my parents refused to allow me to go.

Honestly, I don't think that this is so much about money as it is about her friend realizing the real size of the gulf between the haves and the have-nots, and desperately trying to tell herself that she has "earned" a certain status by virtue of being longtime friends with people who are higher on the socioeconomic food chain than she is, and who previously were willing to cover her costs because they wanted her company. Like most poor kids, she probably has a skewed idea of what "rich" really is.

Also, there is one other facet to this scenario: being able to count your parent's assets as your own. Most poor kids are raised from day one to expect NOT to get any money from parents for anything other than absolute necessities once they leave home. IME, upper-middle-class and wealthy kids don't often get that lesson drummed into them 24/7; there is more often than not an expectation of a financial safety net, and an understanding that family assets will be there for you to share in in the long run. From the outside looking in, that appears to a poor kid as if the more wealthy kid can take for granted and use any family asset as he or she sees fit. It isn't that way, of course, but it can very easily look that way to an outsider who doesn't understand much about long-term wealth management, because her family never had any wealth to manage. (Note the OP referring to the timeshare as "my timeshare" when it actually belongs to her parents. It is that kind of unconscious remark that leads less fortunate kids to sometimes make very foolish assumptions.)

Is the friend justified in her attitude? Of course not, but I'm not sure that I would chalk her behavior up to laziness and simple greed. I think that this probably runs much deeper than just being an incurable mooch. If I were that close to this girl, I'd try to talk to her about wealth in general, and how scary it is to be facing having to get out on your own and make your own way in the world. I wouldn't be surprised if she really unloaded and refused to believe that the OP will have any issues in that regard, however.
 
You know OP, not all friendships survive into adulthood for various reasons.

You've said what you have to say regarding the vacation. Let it lie. You don't owe your freind multiple explanations of why you choose. or don't choose, to do something and you especially do not owe her any explanation of why she will not be deciding how you will use your or your family's assets. You have been kind enough to share them with her when it is appropriate and feasible. She should be grateful for that.
 
You know OP, not all friendships survive into adulthood for various reasons.

You've said what you have to say regarding the vacation. Let it lie. You don't owe your freind multiple explanations of why you choose. or don't choose, to do something and you especially do not owe her any explanation of why she will not be deciding how you will use your or your family's assets. You have been kind enough to share them with her when it is appropriate and feasible. She should be grateful for that.

Agree and I thought she handled the explanation very well with her friend.:thumbsup2
 
good points all around. i won't bring up the trip again, but if the name-calling or anything like that continues, i will have to say something. thanks for the advice!
 
I see my sister going through this same thing right now with her friends.

She moved down to Florida to go to school there and yes she has missed out on alot of her friends birthdays etc. and her friends up here aren't as connected as they used to be, but that is what happens in life. You are growing up and heading out into the real world.

I THINK you need to give your friend a little bit of credit. She knows that she doesn't have the money, so since she knows your family has a timeshare down there and you could drive, it would save money and you could all go.

There are 3 sides to every story, just like you are thinking she is the one that was wrong, maybe you said things to her that you didn't realize that made HER call you those names. I am not saying it isn't right but you seem to not have to worry about money. When you have to watch every penny while your very good friends spend and spend and spend and now you are going out into the real world, it probably upsets her.

I agree with a few PP's talk to her about it. I think she might be more upset that YOU said you didn't care if you went or not, she probably WANTS you to go.

People grow up and they will grow apart it is a fact of life. Good Luck OP.
 
I'm seriously surprised that there are people who are willing to excuse this kind of entitled behavior because she doesn't have money. Really? Now it's okay to insist people take you on a trip to WDW because you've had a hard life and have always had to worry about money?:scared1:
Having an inkling about her motives isn't the same thing as condoning her behavior.
Also, there is one other facet to this scenario: being able to count your parent's assets as your own. Most poor kids are raised from day one to expect NOT to get any money from parents for anything other than absolute necessities once they leave home. IME, upper-middle-class and wealthy kids don't often get that lesson drummed into them 24/7; there is more often than not an expectation of a financial safety net, and an understanding that family assets will be there for you to share in in the long run. From the outside looking in, that appears to a poor kid as if the more wealthy kid can take for granted and use any family asset as he or she sees fit. It isn't that way, of course, but it can very easily look that way to an outsider who doesn't understand much about long-term wealth management, because her family never had any wealth to manage. (Note the OP referring to the timeshare as "my timeshare" when it actually belongs to her parents. It is that kind of unconscious remark that leads less fortunate kids to sometimes make very foolish assumptions.)
I can buy into that. As you described, my parents made it clear that we were no longer allowed to live at home after high school graduation, and they would NOT be providing any financial support. People who grew up in middle class homes, who had a safety net, don't really grasp just what that's like. My parents would've allowed me to move back home in a real tragedy; for example, if I'd developed a terrible disease and had been unable to work. But they would've let me go to a homeless shelter if I just wasn't working. They would've considered it character-building, and they would've thrown around phrases like "your own **** fault".
 








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