Board Library/Money with FriendsTricky conversationsMoney with FriendsTalk about shared costs, repayments, and plans that don’t fit your budget.16 messagesMatter-of-factkindINSIDE THIS BOARDCopy the message you need.16Ask before agreeingBefore I say yes, what’s the total cost likely to be? I need to check whether it fits my budget.CopyToo much this timeThat’s more than I can spend right now, so I’m going to pass. I’d still love to see you another time.CopySuggest a cheaper planI’d love to hang out. Could we do something a little cheaper this time?CopySkip the tripI can’t make the trip work financially. I’m disappointed too, but I need to stick to what I can afford.CopyCheck before bookingPlease check with me before booking anything I’ll need to pay for. I want us to agree on the cost first.CopyPay for my own orderWould you be okay with us each paying for what we ordered? That works better for my budget.CopyAgree on the splitBefore I pay, can we agree on how we’re splitting this? I’d rather get it clear now than have it feel awkward later.CopyI covered itI covered the booking. Could you send your share when you get a chance? I can send the breakdown if helpful.CopyA repayment reminderQuick reminder about the amount you owe me. Could you let me know when you’ll be able to send it?CopyNeed a clear dateI need to plan around that money. Could you give me a realistic date for paying it back?CopyCan’t cover everyoneI can pay for my part, but I can’t cover the whole group upfront.CopyCan’t lend itI’m not able to lend money. I know that may be disappointing, but I need to be clear about it.CopyMy payment is lateI haven’t forgotten that I owe you. I’m sorry I’m late—can we agree on a date I can actually meet?CopyCheck my calculationI may have worked out the split wrong. Could we look at the receipt together before anyone sends more money?CopyDifferent gift budgetI’d like to contribute, but the amount suggested is more than I can do. Is a smaller contribution okay, or should I arrange my own gift?CopyAll settledI’ve received it—we’re all settled. Thanks for sorting it out.CopyMORE BOARDSKeep exploring.Saying NoDecline a favor, protect your time, or set a limit without turning it into a long explanation.Clear the AirOwn a mistake, clear up a misunderstanding, or explain what hurt you without starting a fight.Showing SupportFind thoughtful words for a hard day, a loss, or a friend who doesn’t need another pep talk.
