Asking friends to pay back the money they owe you can be stressful. It’s especially bad if you know they’ll struggle to come up with the money.
If you value your friendship, it’s important not to get confrontational when asking for your money back.
Perhaps always they’ve simply forgotten, and then try to jog their memory with a few well-placed hints.
Having discussions about lending and borrowing cash can sometimes be a bit easier if you do it through texts or email.
This also means you have everything in writing about how much cash is involved and when it’s going to be paid back.
It might be worth adding a sense of urgency, so your friend understands that you now need the money back. For example, phrases like ‘I’m sorry to ask this, but I really need that money back by XX because I have to pay XX back’.
If all discussions break down and you don’t think you’re going to be able to get your money back just by talking, as a last resort you can get legal help. This will involve making a court claim for the money.