Post # 16
If it were me I would lend her the money. I would come up with some sort of payment plan with her beforehand though. E.G. – she pays you $50 out of each paycheck till she pays you back. If you doesn’t pay you back then when she asks you for money again then you can reference this instance in where you loaned her money and she didn’t pay you. For me, I will loan someone money but only if they pay me back, if they don’t I will never loan said person money again. I have a friend who is pretty bad with money despite having a well paying job and I’ve loaned her money at least 4 different times, but she’s always very quickly paid me back in full so I have no problem doing it.
Post # 17
If it were me, I would lend her the money. If you’re close with your sister and have not had bad experiences in the past with her lying or not following through with her word, then I don’t think there’s any reason to assume she won’t pay you back. If you’re feeling nervous about it, you can ask her what she thinks her timeline is for paying you back or how she knows she’ll be able to, and you can judge based on her answers. But honestly, if the $300 wasn’t going to seriously impact my life, I would just lend it and not worry about whether she pays you back right away.
I was in a similar situation once – I wouldn’t call my sister irresponsible with money but she has made a couple of majorly bad financial decisions that have left her in tough situations at times. She has only ever asked me to lend her money twice in like 10 years, so if you are worried that it might become a recurring thing, that isn’t always necessarily the case. One time it was an emergency when her car broke down and she paid me back a couple of months later without me prompting or reminding. The other time was right before her wedding and so I ended up just giving her the money as a wedding present.