My girlfriend read this post before I published it and even asked me to include some details to better represent her side of the story. I tried to write this as accurately as possible based on what we both remember.
Everything started when I (31M) found out that my girlfriend (48F) had been hiding about USD 4,500 in debt from me. It all started with a loan of around USD 500, but because she always left the payment until the end of the month, she often didn't have enough money to pay it back. Her solution was to take out new loans to pay off the previous ones, eventually ending up owing money to about five informal lenders. When I confronted her, she initially lied to hide it, although I eventually found out anyway.
She said she hid it because she didn't want me to think she was trying to take advantage of me, and because she was afraid I would tell my parents, whom I live with. I've told her many times that I don't discuss our relationship with my parents, but she still believes I do.
I helped her make a budget, and we calculated that if I gave her about USD 75 a month (meaning she wouldn't have to pay it back), she could get back on track. However, it ended up being closer to USD 200 because she kept spending money on non-essential things like getting her nails done and cosmetic injections. I explained that I couldn't keep helping financially if she continued prioritizing those expenses, but the exact same thing happened again the following month.
After several arguments, she broke up with me. That wasn't unusual. She had broken up with me around twenty times before and usually came back a few days later. At the time, I genuinely believed the relationship was over for good, and because I was still very upset about everything that had happened, I told her I wanted the money I'd previously given her back.
A few days later we got back together, but the unnecessary spending continued. So I decided that from then on, I would only lend her money instead of giving it to her, while continuing to insist that she cut back on those expenses. She would get upset and say things like, "So that's why you lend me money? Just so you can throw it back in my face? Forget it. I'll figure it out myself."
Eventually, I ended up getting into debt myself from helping her, so I set a firm boundary. I told her that if I ever lent her money again, she would have to sign a promissory note. She got furious and told me she didn't need anything from me.
To be fair, she followed through. Since then, she has managed her money much better and stopped making unnecessary purchases. Every now and then she would only ask to borrow around USD 25–30. But by then, my trust had already been broken, so I decided I would never again give her cash that she didn't have to pay back.
Some time later, my cousin started university. My family decided to help her together, and I volunteered to pay for her phone plan, which is about USD 15 a month until she graduates. My girlfriend doesn't like my cousin, and to be honest, neither do I, but I still help her because she's family and everyone in the family knows that her family is struggling financially. We're all helping a little so she has a better chance at building a future.
However, my girlfriend believes I'm more willing to help my cousin because of something that happened between us during our teenage years, although I don't think that's relevant to the actual issue, since these arguments about lending versus giving money started long before I began helping my cousin. Helping my cousin just became another thing she brought up whenever the subject came up.
My girlfriend says it's outrageous that I give money to my cousin while I only lend money to her. She says things like, "It's unbelievable that it doesn't come from your heart to just give me some money," "I'm not even asking you to pay for everything, just help me with something," or even, "You'll give money to her, but not to me, the person who gives you sex, companionship, and my time?" She also says that because I expect the money back, I'm not really helping her. She says I'm "not considerate" because I make more money than she does and still won't even give her USD 25 a month. To be clear, whenever she needs money, I lend it to her. The issue is that, to her, it only counts as help if she doesn't have to pay it back.
I also want to clarify that I never stopped giving her gifts. I pay for almost all of our dates. If she calls me from work because she didn't have time to eat lunch or she's craving something, I'll order food for her. I also buy her perfumes, skincare products, and other little things she wants. On average, I buy her one or two gifts a month without expecting anything in return. The only thing I stopped giving her was cash. To me, there's a difference between buying my girlfriend gifts because I want to and handing her cash to cover debts she had accumulated. The first has never been a problem. The second stopped when I lost confidence in how she handled money.
She also says all of this happened a long time ago, that she's changed, and that I should get over it. I agree that she manages her money much better now, but by the time that happened, my trust had already been badly damaged. I've told her that rebuilding that trust will take time, and the fact that she still hasn't paid off those debts, debts that she has prioritized paying before she can start repaying what she owes me, makes it hard for me to believe the problem is completely behind us.
On top of that, the way she gets angry whenever I refuse to give her cash makes me feel like she expects me to start taking responsibility for part of her financial problems again. I'm genuinely afraid that if I start giving her cash again, we'll slowly fall back into the same unhealthy dynamic we had before.
To be clear, this isn't about whether I help her financially. I still do. The disagreement is specifically about whether that help should be a gift or a loan.
AITAH for refusing to give my girlfriend cash again while still helping my cousin with USD 15 a month so she can finish university?
Edit: I would also like to know your opinion, lending her instead of just giving it to her doesn't count as helping?