I have lent money three times glad to do so even though I knew I probably wouldn’t get it back. In each case after some time past I sent a note with the next birthday card telling the borrower I wanted them to consider it a birthday gift. I knew I wouldn’t get it back in the first place but left room for a little hope of it by not just giving the money away and then let the people of the hook soon after so because I didn’t want it hanging in the air.Those individauls have never asked to borrow again either.
Nothing wrong with saying no . I’ve done that too. Also have told people my money was too tied up or already booked to be spent. I have also lent money and gotten it back and I always knew I would in those cases.
