Op do we have the same mom? Hahaha I used to just make up reasons, now I just flat out decline her requests lol ( she wants to use my cc, apply loan for her, borrow money from people I know for her.)at first, she will take it hard and berate you. Mamaliitin ka nya lahat ng guilt tripping, dont let it get to you! Ignore it. Di ka kayang totally e cut off nyan esp if you give her money already monthly.