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"A pal frequently asks to borrow cash when we go out, but never pays me back — even when I ask her. What to do?"

"Be honest and say, “I need you to pay me back before I can lend you more. It would really help me out,” says Susan Fitter, founder of Global Manners, an etiquette and protocol consultancy. Remember — you can always say that you don’t have extra cash on you."

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