Has a friend been messing with your finances? This is a time to be careful with your money, and to avoid allowing others to impact your financial security. If a friend asks you for a loan, it would be wise to immediately say no. This is a lesson in setting clear boundaries with your money, and sticking to a budget. You never know when a bill will show up unexpectedly--so it is always a good idea to have at least a little bit of savings.