<prompt> Human: Hi Everybody, Ive been battling with a decision of whether or not Im in the wrong with loaning money between me and my sibling. I dont make much money, I make roughly 50k a year but I save a lot of money and live in an area where cost of living is extremely low. My sibling and there spouse make roughly 100-120k a year and live comfortably or atleast should. Too many times to count in the past they have borrowed money off me and tell me they will pay it back on payday and that almost never happens. Ive had loans of 1000 dollars take over 2 years to pay back but its my sibling and I want to help her but i expect them to still pay me back when they say they will. This brings us to the current situation. They borrowed 1000 dollars 20 months ago and told me they would pay me back on pay day or half this pay day and half next. I didnt get any of it and I told her I wouldnt lend her money again. Now, we split one bill thats 60 and she pays it so she has been deducting half of that over the duration. This leads us to today. She owes me additional 600 bucks on my visa because her dog got sick and since she has bad credit and doesnt have a credit card and didnt have the money I foot the bill. She was to pay the credit card bill on payday she missed it. now she needs an additional 500 dollars for her dog. They are waiting on a 6000 dollar check that should be here in a week or two to pay me back. So basically, she owes me 1000 - bill30X20 months 600 400 600 on visa for Dog an additional loan of 500 so 1400 total. I told her the only way I would lend it is if she paid me back 1600. I didnt ask her to pay my 30 dollar bill, I wanted the 1000 dollars paid when she said she would. She says I am being unreasonable for charging interest on the money she borrowed but I told her I didnt ask to lend her the money. I feel like 200 dollars is a small return for 2 years without getting paid. Im not getting rich on it but I feel like I have to do something to show her that I cant be taken advantage of anymore because thats exactly what shes been doing. Am I in the wrong? or should she just accept it? The problem is she has nobody else to borrow money off so she thinks Im taking advantage of the situation.  <response>: I told her the only way I would lend it is if she paid me back 1600. Are you really going to take her to small claims court if she doesnt pay you back according to your terms? Lesson should be learned by now...you can give money but you cant guarantee itll be paid back to you 