Based on the problem below, write your advice within 350 words.

Your advice
should be relevant to the issues raised.
Dear Sandra,
I hope you are doing well. Do you remember Jimmy, my colleague? You’ve met him
once during your visit to my place last year.
I’m not sure if I should tell you this, however I need to let this out of my chest. Jimmy is a
nice person and I really like him. But, he likes to borrow money and not pay it back. This
has been going on for two years now. Yesterday, he confided that he’s been having
money problems and wanted to borrow another RM2000 from me. He wouldn’t tell me
what it was for. I feel terrible if I don’t lend him my money but it is also tight on my side. 
What would you advise me to do? Please write back as soon as you can.
Love,
Angelina
Dear Angelina,

No one knows if the advice I'm about to give you will make your heart ache or not. If it happens
to me, I simply refuse. That's because, as someone who has been burnt by lending money to family
and friends, I strongly advise you to avoid it. You see, when you lend money to someone, your
relationship changes. Your friend will be grateful to you (because he will be). Until the loan is paid
off, hanging out together will be awkward. Your relationship may be jeopardised if the loan is not
paid. When you decide to lend money to family and friends, there are a lot of things that might go
wrong. I understand what it's like to desire to support a family member. It's difficult to stand by and
wait for aid, especially when you understand that it's really required.

My dear friends, after that, Some bad habits you may not be aware of, such as gambling, or even
something less serious that most people are guilty of: living beyond their means is one example. By
being firm and saying no, you may be doing more for your friend than you think. Instead of being
financially dependent on you, your friend will be forced to find a permanent solution. This should be
obvious. You should refrain from lending money if it could put your current or future financial
security in jeopardy If you need to borrow money, do not use your retirement funds.

In the event that you decide to lend the money, there should be some conditions attached to the
loan. Depending on the size of the loan, you may feel more comfortable with a handshake
agreement that the loan will be repaid quickly. Be sure to include details on repayment in the
document for larger amounts. Details such as the monthly payment amount and the due date should
be included.

Finally, my message to you is to be aware that lending money to him can have serious
consequences. Even if all intentions are good at first, things can quickly turn sour. Make sure you
understand what you're getting into before you open your wallet.

Lot of love from your friends,

Sandra