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Before you lend

Can I afford to lend this money?

Check your own buffer first. Lending should not create a second problem.

4 min readPractical guideUpdated 2026-06-15

The short answer

You can afford to lend if losing the money entirely would be disappointing but not damaging.

The short answer

You can afford to lend if losing the money entirely would be disappointing but not damaging.

Quick affordability check

  • My essential costs are covered for the next three months without this money.
  • I am not borrowing elsewhere in order to lend.
  • A three-month delay in repayment would not create a problem for me.

Key takeaway

You can afford to lend if losing the money entirely would be disappointing but not damaging.

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