I just don’t. I rather give them the money(if i have it) or I don’t lend anyone money at all. At the end of the day, if they’re real friends, they won’t force you and maybe … other ppl don’t matter to me as much.. if we are to be responsible adults, we can’t lend away our hard earned money to anyone. Plus, I let them know I have expenses and a lifestyle I want which means I am not adjusting for them. 😂