I loaned money to an Ex-girlfriend about 4 months and she specifically said that she would give me back the money on the 15th of June, that’s 3 days ago. I have a rule to never lend or borrow money. I have been at both ends where I could not pay the money and where the person could not pay me back. And they both suck. In this case, however, I decided to lend her the money and was prepared for not getting the money back at all. As if to prove my point, she has gone silent on me. I sent her a message on WhatsApp asking her about the money and why the silence. She has seen the message but no response. So you are absolutely right, Neither be a borrower nor a lender.