I had seen a post in Facebook about a debt that was not paid. The one who posted said that it is not good to lend money because it becomes a liability. That is true. When you lend money then you can consider it an extra expense. Of course, the borrower would say that he will pay you back. But the probability of that promise is not 100%. For the meantime, while your money is still out of your hands, that is a liability that you spent. That may sometimes cause the budget to wobble because of the extra expense in the form of lending.