I thought I'd start up a thread about a topic that REALLY pisses me off. People who borrow money. I hate 99% of people who borrow money, and by borrow I mean debts to friends (not banks). Most of the time, these people are totally irresponsible butt wipes with no real intention of paying money back. Their lives are usually sh1t and they end up going into more debt or only paying back a little of what they borrow. I find money borrowers get into the habit of constantly borrowing per month and when you look at their personal situations they are usually playing 'the victim card'. I'll give u an example: I have a colleague and the guy is so irresponsible he moved to this new city with almost no money in his bank account. They declared he didn't have enough money to eat. The boss lent him about 4000 dollars and later 'the boss' became the root of all his 'issues'. He started showing up late for work and felt it was the bosses fault for setting such an early and 'unfair' time, he was the only one late to work. He borrowed smaller amounts from other co-workers and asked me, I promptly told him to fvck off. At the same time he was blowing tons of money on women he knew, going out on dates and eating expensive dinners. I said to him, dude... how the hell can you borrow money and then blow it all... you should only borrow money if you absolutely need it for survival. He told me that he absolutely needed sex for survival... in the end he came up with nothing and he is half way through the month and broke again... this after having another $20 dollar dinner. He now plans to buy a new computer with his next paycheck, I asked him what he plans to do about his debts to which he replied he'll get to them later but a computer is important. If I was the boss or the colleague that lent him the money, I would be absolutely furious. What the fvck is wrong with people... this guy is a univ grad, you would think they were smarter than that but often times I find educated people are also some of the stupidest people. He is in debt for over $40k with no hope of ever paying it off. He buys starbucks in the morning, McDonalds in the evening, Starbucks again at night and then has another meal after that. He's also fat, lazy and completely irresponsible. Where the hell do these people develop these attitudes from??? I met a Nigerian guy a little while ago, we were coworkers, he had a nickname like Kaos or something. Anyway, one day he tells me that he is short money this month and that he just needs to borrow 250 to buy some food till the end of the month. He was a good work mate and I decided I would happily help him out even though it sort of broke my rule, we had worked together and hung out for about 6 months. Soo the next day I see dude sitting outside KFC chowing down on a bucket of chicken, ice cream and a bunch of other ****, I ask him how much he spent and he says its none of my business... the end of the month rolls around and he has a new six hundred dollar jacket but hasn't paid me my cash, I mention it to him but he sort of waves it away. The next month comes and goes and he has a new Ipad and tells me he "needed it because its so HIM" but no mention of my money. I ask him about it and he gets in my face and says "Man why you always gotta be asking me about that, I'll pay you, I'll pay you!!! just backoff!!!". The next month comes and I'm like "Can you give me back my money its payday?". He has the money in front of him but says "No I need this money for something, I'll give it to you later"... so I get immensely pissed and say " You are really starting to piss me off dude, I've asked nicely a few times now". He replies "Man, I was being a friend and I let you lend me that money cause I thought you were cool like that, take your fckin money" and throws it at me. This guy is a Doctor. I fvcking hate these types of people...fvcking hate them. Any thoughts on money skills? Am I justified to hate these fvcks or am I going overboard... I'm usually very vocal about it to people but I find a lot of these types of borrowers use a victim mentality. And they borrow money for the stupidest reasons, my brother in law for instance asked to borrow a thousand dollars a year ago. I asked for what and he said to impress his mother and put her up in a nice hotel. When I asked about a repayment plan, he told me he'd pay it over the course of two or three years. I said no. I don't understand the mentality behind this? Go into debt for something so stupid and then end up owing people... why??? End Rant..