Cathywvmonroe
Metaspoon User

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Agree with NTJ. This is how I handle those situations - same thing has happened to me. From now on, anytime you normally would give Emma a gift, you give her money off her debt to you. If you would have given her a $5 gift, you write off $5, until it is paid back. If you would never give her a gift, you never lend her any money in the future until this debt is paid off. You now have an “Emma” envelope in your wallet - she can only borrow again when the envelope if filled - and maybe not even then. Sorry, but you will probably not see the money again otherwise.

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