I have a mate who is constantly on at me to lend him money, because he knows what I earn and what I have. I'm not rich.... The money I have is for my family and to keep us comfortable and fed and a roof over our heads.

He assumes that because I get 20k a year more than him then I must have x amount of spare cash every month and should lend him some of it. Then he gets all upset every time I say no...