If someone regularly borrows money and delays repayment, the situation can eventually affect the friendship.

Before lending money, consider whether you can afford to lose it.

It is also important to agree on when the money will be returned. 

Do not rely only on a verbal statement such as "I'll pay you soon."

If the person repeatedly fails to repay previous loans, lending more money may not solve the problem.

You can say no without insulting the person.

For example, you can explain that you are not financially able to lend money at that time.

Friends should also avoid using friendship as pressure.

Statements such as "If you were really my friend, you would help me" can turn a financial request into emotional pressure.

A good friendship should allow people to discuss money honestly without threats or guilt.

Lesson: Helping a friend financially should not require you to put your own financial stability at serious risk.