On the one hand, you want to help a person you care about, but on the other hand, you wonder if it is really a good idea to lend money to this person. The two main things to remember when deciding whether or not to lend money are to think before you do it and not to lend money that you need yourself.

　　First, realize that you don't need to feel guilty if you don't want to lend your money to anyone, even a friend or

　　relative. If there is a reason behind the guilt, for example, they did something for you and helped you out when you

　　needed it then you may really want to lend them money. If you have the money and want to do it, then you can do it.

　　If you do decide that you want to lend money, be sure to write up an agreement. Whether it's your sister or the best friend you've known for decades, a clear agreement signed by both parties is important. It's not a matter of trust, but a

　　clear understanding of what is expected. The agreement should have dates and specific amounts for repayment.

　　If you are low on money yourself, you simply may not be in the position to lend money.

　　You really should never lend money that you need yourself. If something happens and your friend

　　or family member can't pay back the money, you've put yourself in a dangerous position.

　　A friend or relative that cares about you should understand that and not make you feel pressured to lend money to him or her.

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