The “Love You, Mean It” Borrowers: A HoodBilly Rant

Let’s talk about a special kind of parasite – the “Love You, Mean It” borrower. These ain’t your average moochers; they’re experts at emotional manipulation, disguised as family and friends. They’re like ticks on a hound dog, but instead of just blood, they’re sucking your time, energy, and hard-earned cash.

These folks only seem to materialize when they think you’ve got something they can use. Need a hand moving? Crickets. Struggling to make rent? Radio silence. But suddenly, when they’re short on cash, they’re your long-lost bestie, showering you with “I love yous” and promises of repayment. They’ll swear on their mama’s grave they’ll “get you back” next payday, but when that day comes, they’re ghost. Or worse, they throw you a few measly dollars like it’s some grand gesture, while they’re out here living large.

And the real kicker? They have the audacity to look you dead in the eye, call you “family,” claim to be your biggest supporter, all while watching you bust your hump to build something – especially if you’re trying to launch a business. They’ll tell you they’re “rooting for you,” but they won’t even click a link to your website, let alone share it. They’re quick to ask for favors but nowhere to be found when you need even the smallest bit of support.

It’s enough to make a fella wanna chuck a wrench through a window…and maybe a few other things.

Now, I’m not saying you shouldn’t help folks out. Real support is important. But there’s a Grand Canyon-sized difference between being generous and being played for a fool. These “Love You, Mean It” borrowers aren’t looking for a hand up; they’re looking for a free ride. They see your kindness as weakness, and they’ll exploit it every time.

If someone’s consistently borrowing and conveniently forgetting to repay, especially when they’re clearly doing just fine, it’s time for a HoodBilly reality check. Here’s the lowdown:

• Set Crystal-Clear Boundaries (and Stick to Them): When you do decide to lend (and maybe you shouldn’t), make the terms airtight. When’s the due date? How much? Don’t be afraid to put it in writing. And remember, those sweet words are just a smokescreen. Actions are the only thing that matters.
• “No” is a Complete Sentence: If you’re not comfortable lending, just say no. You don’t owe anyone an explanation. It’s better to be upfront than to harbor resentment.
• Keep a Record (Because They Won’t): Keep track of who owes you what. This isn’t about being petty; it’s about protecting yourself from being taken advantage of.
• Call Them Out (When Necessary): If they consistently fail to repay, don’t be afraid to speak up. Start polite, but don’t be afraid to turn up the volume if needed.
• Cut the Cord (It’s Self-Preservation): Sometimes, you gotta cut these folks loose. It ain’t easy, especially when they’re playing the “family” or “love” card, but your peace of mind and financial well-being are worth more than their empty promises.

Real talk: Loyalty and genuine support ain’t got nothing to do with money. If someone truly cares about you, they won’t use you. They’ll be there for you in good times and bad, not just when their pockets are empty. So, keep your eyes open, protect your heart and your wallet, and don’t let these “Love You, Mean It” borrowers drain you dry.