The Best Witch Costumes for Your Zodiac Sign

Scorpio is one of the healing signs in the zodiac, and while the Sun is in Scorpio, we can make great strides toward healing ourselves and helping others. There’s nothing superficial about Scorpio — it demands depth, wanting to uncover layers and expose what’s hiding. That’s why it’s a great time to focus on your inner world and subconscious mind. All forms of therapy are beneficial during Scorpio season, but psychotherapy is especially powerful if that's an option for you.

Eager to know what this transformational energy has to offer? Read on for your weekly horoscope to understand how this can impact your sun and rising sign!

​Astrological Overview For Your Weekly Horoscope

The New Moon in Scorpio occurs on November 1 at 9 degrees of Scorpio. You'll want to check your birth chart to see where 9 degrees of Scorpio falls — this is the area of your life where you can experience transformation and growth. New Moons are powerful times to plant seeds for future growth, to dream and plan for the coming month. Take time to reflect on what truly matters during this period of darkness and inward focus.

Mars, the planet of action and determination, has been opposite Pluto, the planet of transformation, for months. Both Mars and Pluto co-rule Scorpio, creating an intense and volatile energy. This opposition becomes exact again on November 3 and 4. Use this energy to propel yourself in a new direction and honor your true self. Strength and focus can harness this intensity for personal breakthroughs, but be cautious in making impulsive decisions during this time — on the global stage, tensions may rise, and there could be heightened aggression.

Adding to this turbulent energy, Mercury, the planet of communication and learning, leaves Scorpio and enters Sagittarius on November 2. As Mercury exits Scorpio, it forms a beneficial trine to Mars and a sextile to Pluto. This is a powerful opportunity for words to contribute to healing, so take care in how you communicate. Be mindful of the power your words hold, especially as Sagittarius can be blunt and outspoken. While Mercury is in Sagittarius until January 9, focus on expanding your consciousness, learning new skills, and broadening your horizons.

Key Dates For Your Weekly Horoscope

• November 1 — New Moon in Scorpio
• November 2 — Mercury enters Sagittarius
• November 3-4 — Mars and Pluto opposition becomes exact

Read Your Horoscope Based on Your Sun and Rising Signs

Aries (March 21 – April 20)

You’re being asked to dig deep into your subconscious this week. Keep your eyes and ears open for messages from dreams or moments of creativity. Meditation or solitude may reveal powerful realizations. If you feel the need to make a major life change, be sure your decisions come from the heart. You’re on the cusp of a creative breakthrough, but make sure your actions are driven by authenticity.

Taurus (April 22 – May 21)

Relationships are in focus for you. This is a great week for couples therapy or deep, transformative conversations with your partner. Be willing to make changes that benefit your relationships, home, and career. Your sensitivity may be heightened, so incorporate self-care and self-love into any changes you make. Don’t shy away from this potential for growth — there’s tremendous opportunity for profound shifts.

Gemini (May 22 – June 21)

Good fortune and harmony are possible, but luck won’t just fall into your lap — you need to be proactive. This could show up in your relationships with others or in your relationship with yourself. Kindness, equality, and fairness are key to success. Be cautious around people exhibiting aggressive behavior. You’ll receive back what you give out, so practice kindness and ensure you’re approaching things with fairness and balance.

Cancer (June 22 – July 22)

You prefer to avoid conflict, but this week you’ll have the chance to step out of your comfort zone. You don’t have to be confrontational, but a bit of assertiveness will help you move toward your goals. The seeds you plant during this New Moon will grow stronger if you add passion and creativity. Follow your intuition, especially when making important decisions. Your dreams need a touch of energy and action.

Leo (July 23 – August 22)

The Mars-Pluto opposition has likely stirred up some drama in your life. Have you mustered the courage to start something new? If not, this week offers an opportunity to fully step into your authentic self and begin a new chapter. Don’t hold back, but be prepared for uncharted territory. Your relationships, particularly with yourself, may need a refresh. Self-love and self-care are essential as you embark on these transformations. You might even consider sprucing up your home or making a move.

Virgo (August 23 – September 22)

Career growth is in focus this week, but you’ll need to find a balance between your home life and work life. You may feel the urge to do more in both areas, but it’s crucial to stay grounded. Pay attention to details and avoid overindulgence. A balance between home and work will lead to the best results — be sure to tend to both areas without letting one consume the other.

Libra (September 23 – October 22)

Your finances and values are the focus this week. Now is the perfect time to ensure your financial life is in order. Meet with a financial planner or make sure your will is up to date. This planning will give you peace of mind and reduce future stress. Once Mercury moves into Sagittarius on November 2, you’ll feel freer to have fun and pursue adventure, knowing that your financial security is taken care of.

Scorpio (October 23 – November 21)

Your power and determination will only grow as the week progresses. Use this time to tap into your inner authority and work toward concrete goals. There’s likely to be movement in your career, but it won’t happen overnight. Patience and sustained effort are required. Cultivate joy and focus on long-term goals — there’s no rush, but steady progress will lead to great results.

Sagittarius (November 22 – December 21)

Mercury entering your sign on November 2 invites expansion and learning. If you’ve been waiting to start a new project, learn a new skill, or expand your understanding of the universe, now is the time. Subjects like spirituality and philosophy will be easier to grasp during this time. Be mindful, though — your blunt communication style could come off as caustic, so take a breath before you speak.

Capricorn (December 22 – January 19)

Mental well-being should be a priority. Use this time to focus on learning and honing your skills. Your approach to life and work is inspiring to others. If you’ve been dealing with self-doubt, discard any negative self-talk and practice self-compassion. You have a natural ability to teach others, so don’t hesitate to share your knowledge with those who might be facing something similar to your experiences.

Aquarius (January 20 – February 19)

This week focuses on your community and your relationship with like-minded people. Group learning and activities will be more impactful than solo efforts. Mercury in Sagittarius from November 2 will encourage you to learn through travel and adventure. Something exciting and transformative is on the horizon — seize the opportunity for growth through connection with others.

Pisces (February 20 – March 21)

It’s time to focus on your physical health. The energy of this week will make it easier to start a health regimen and stick to it. While you may become more serious about your health, don’t push yourself too hard. Take small, steady steps to make lasting changes. As the week progresses, you’ll feel more confident and enthusiastic about these positive changes to your well-being.

Themes For Your November Horoscope In 2024

This month kicks off with the New Moon in Scorpio on November 1st, helping you see how you're being of service to yourself and others. Due to Scorpio's vibe of death and regeneration, this lunation will also materialize the importance of “clearing out” from the old. Remember last month’s solar eclipse?

This New Moon in Scorpio extends the path for you to turn over a new leaf and actualize your desired changes. Make a move.

The communication signals will power up as Mercury enters Sagittarius on November 2nd, manifesting a feeling of warmth and hope in our messages. The dialogue exchanged will be inspiring and educational.

Share information that will benefit others. You'll experience serendipitous moments as you give back.

Our drive and bravado will turn up as the motivator planet Mars enters Leo on November 3rd. Our self-worth will drive passion and desire. Step forward and claim your desire.

Create your masterpiece and watch it come to life. Believe.

Love will shift to rationality and structure as Venus shifts into Capricorn on November 11. These next several weeks will help you gauge more accordingly with long-term plans and practical concerns. It will also invoke a more grounded approach to romance and dating.

Slow and steady builds stronger foundations in love.

On November 15th, the Full Moon in Taurus illuminates the sky, highlighting the importance of taking the reigns through a measured approach. With the rebel planet, Uranus, in alignment with this full moon, it will stir up massive changes involving our narrative and how we are playing our part in our storyline. It can lead to impulsive moves, so remember to be intentional. The great news is that Saturn, the structure planet, is direct today, bringing more clarity regarding our direction.

Brilliance awaits as you hold steady.

Buckle up! On November 19th, Pluto ingresses into Aquarius, settling into this future-oriented sign. Anticipate significant technological advancements, including refined artificial intelligence, quantum computing breakthroughs, renewable energy innovations, and immersive virtual reality experiences. Side note: VR Games like Supernatural(I'm a BIG fan!) are revolutionizing workouts, allowing people to exercise in other worlds while engaging with a supportive community for weight loss, endorphins, and positive accountability. As you visualize your ideal paradigm, Pluto will guide you toward the tools or necessary changes to attract your desired results. Embrace this transformation and let go of outdated constructs, paving the way for a brighter, more interconnected future.

Happiness and fulfillment await those willing to adapt and grow.

This month ends with the Sun in Sagittarius on November 21 and Mercury Retrograde on November 25. Sagittarius season invokes wanderlust, adventure, and growth. Remember that you'll reign this season as you remain open-minded to new concepts and ideas.

Close-mindedness and dismissiveness of others' input lead to dead ends.

As we conclude working with Mercury’s backspin this month, steer clear of making traveling plans (like booking a ticket/itinerary), launching a business, or signing contracts. Plus, it will help you streamline your messages, think through your personal beliefs, and change your attitudes towards life. Going through reflection will help you gravitate toward your desired outcomes.

Which signs will be most affected in November?

As we journey through November 2024, Scorpio, Taurus, Aquarius, and Sagittariuswill each feel the cosmic waves uniquely. Scorpios will harness the transformative energy of the New Moon to reflect on their desires and initiate powerful changes. Taurus will be called to acknowledge new narratives during the Full Moon, prompting them to take control of their path and make intentional decisions. Aquarians will experience a significant shift as Pluto settles into their sign, inviting them to envision a brighter future and release old patterns that no longer serve them. Meanwhile, Sagittarians will be inspired by the Sun’s entry into their sign, igniting a sense of adventure and growth. However, they should navigate Mercury's retrograde carefully to avoid miscommunications and hasty decisions. Allow these energies to guide you toward a more fulfilled and intentional existence this month!

​Key Dates & Transits This Week

• 11/1 New Moon in Scorpio
• 11/2 Mercury enters Sagittarius
• 11/3 Mars enters Leo
• 11/11 Venus enters Capricorn
• 11/15 Full Moon in Taurus, Saturn Direct
• 11/19 Pluto re-enters Aquarius
• 11/21 Sun enters Sagittarius
• 11/25 Mercury Retrograde in Sagittarius

​Read Your November Horoscope For Your Sun & Rising Signs

Aries (March 21 – April 20)

Themes: Investments and Ambition

This month brings transformative opportunities for personal growth and ambition. The New Moon in Scorpio encourages you to dive deep into your desires and set intentions for long-term investments. As Mercury enters Sagittarius, your voice shines, sparking optimism and inspiring connections. Let love lead the way as Mars in Leo ignites your creative passion and pushes you to take bold steps in your relationships. Make a move while factoring in your happiness. The Full Moon in Taurus prompts you to let go of unwanted habits while tying loose ends with finances. The great news is that your adventurous spirit flourishes with the Sun entering Sagittarius later this month. Be mindful of impulsive trips or conversations, as Mercury retrograde calls for thoughtful reflection on your plans and communication style.

Taurus (April 21 – May 21)

Themes: Connection and Identity

Expect a month filled with deeper connections and self-reflection as you reassess your values and domestic life. The New Moon in Scorpio encourages the exploration of your love life and partnerships, manifesting progress. With Mercury shifting into Sagittarius, discussions around shared resources become enriching and insightful. Consolidate your research or your internal landscape of beliefs and get to the bottom of what keeps you from attracting more abundance. Mars in Leo energizes your home life, inspiring you to create a nurturing environment. Rearrange furniture or begin visualizing your ideal home life — this new pattern will attract movement in your domestic life. The Full Moon in your sign focuses on your identity, offering a moment of self-realization and understanding about how you need to reshape your narrative. Mercury retrograde will help you retrace your steps regarding merged resources and enable you to work out your financial priorities or unresolved debts — research methods.

Gemini (May 22 – June 21)

Themes: Wellness and Subconscious Needs

Prepare for a month rich in exploration and relationship review, inviting you to evaluate your connections and daily routines. The New Moon in Scorpio prompts you to reflect on health and work, paving the way for beneficial changes. Begin a new protocol and establish a sacred practice involving wellness that will reorient you with your goals. With Mercury entering Sagittarius, your focus shifts toward partnerships, enhancing the depth of your conversations. Work on listening intently to your partner or connections to find practical solutions. Mars in Leo ignites your curiosity, encouraging the pursuit of fresh ideas. Get involved in the local realms and initiate conversations — this will inspire you. Mid-month, the Full Moon in Taurus sheds light on your subconscious, urging you to confront hidden fears and clear out. The Sun in Sagittarius with Mercury retrograde will help you backtrack and analyze your relationships and their direction.

Cancer (June 22 – July 22)

Themes: Happiness and Friendship Circles

This month invites you to balance your daily routines with self-care for emotional fulfillment. The New Moon in Scorpio inspires you to understand the core of your joy and what fulfills you. Mercury’s entry into Sagittarius shifts your focus to daily routines, enhancing discussions around wellness. Health is wealth. As you focus on your overall well-being, abundance will follow. The great news is that Mars in Leo energizes your financial goals, motivating proactive steps forward, so taking care of yourself this month will ensure the results. Later this month, the Full Moon in Taurus highlights your social circles, prompting a reassessment of friendships. As Pluto in Aquarius encourages transformative growth, the Sun’s ingress into Sagittarius and Mercury retrograde emphasizes health, inviting you to take self-care practices and review how you typically extend your energy to others.

Leo (July 23 – August 22)

Themes: Fulfillment and Reassess Life Purpose

Get ready for a vibrant month of self-discovery and creative expression. The New Moon in Scorpio prompts you to reflect on your domestic life and family, inspiring you to cultivate a supportive environment while establishing your terms. With Mercury entering Sagittarius, your focus turns to love and creativity, allowing you to step out of your comfort zone and explore these realms of joy. Mars in your sign boosts your confidence, empowering decisive actions in your pursuits. Be yourself and ignite your fire to get things done. Mid-month, the Full Moon in Taurus highlights your professional aspirations, prompting you to reassess your career goals. Factor in what makes you happy and optimizes your energy. The Sun's entry in Sagittarius alongside Mercury retrograde will help you backtrack and align with your priorities in love and your creative potential.

Virgo (August 23 – September 22)

Themes: Ideas and Past Aspirations

This month brings clarity and enriched communication, inviting you to refine your thoughts and deepen your familial connections. The New Moon in Scorpio encourages engagement with new ideas and community interactions, promoting open dialogue. Being openhearted and receptive to people's feedback will lead to breakthroughs in your development. Mercury’s transition into Sagittarius shifts your focus to home and family, enhancing emotional discussions regarding your direction. Be curious in your approach; it will heal your unresolved matters. Mars in Leo energizes your subconscious, motivating you to confront hidden fears while helping you understand your habitual patterns. Rest and reflect. Mid-month, the Full Moon in Taurus prompts reflection on your philosophical outlook and long-term goals. Look back at your old journals or past aspirations to fill the gaps in your story. Mercury's backspin entails reviewing your next steps involving your emotional security — look within yourself and align with your feelings instead of seeking external validation.

Libra (September 23 – October 22)

Themes: Self-Worth and Vulnerability

You're in for a month filled with financial themes and meaningful interactions, guiding you to reassess your values and friendships. The New Moon in Scorpio inspires you to reflect on personal resources, setting intentions for more stability. This is an opportunity to revamp your approach to money and security — research new methods that will attract more abundance. As Mercury enters Sagittarius, your focus shifts to engaging conversations and learning opportunities. It is also an excellent opportunity to network locally and gain traction and confidence with the side hustles you may be working on. Mars in Leo energizes your social life, motivating you to cultivate new friendships and connections that will get you one step closer to achieving your long-term aspirations. Mid-month, the Full Moon in Taurus highlights shared resources, prompting a reassessment of intimate relationships and closing the chapter on any outmoded approaches. By the end of this month, Mercury retrograde will enable you to reflect on old ideas that may have rested on the back burner. This is your chance to let your past endeavors rest or revive once Mercury goes direct.

Scorpio (October 23 – November 21)

Themes: Self-Empowerment and Commitment

Embrace a month of self-confidence and financial insight! The New Moon in your sign empowers you to set intentions for your goals and new beginnings. You're worthy, as this is your chance to establish a new seed based on what's aligned with your heart. As Mercury moves into Sagittarius, your focus shifts to finances, enhancing your ability to express your needs clearly. It can lead to frivolous spending, so be mindful of ongoing patterns that can result in retail therapy. Your hard work will pay off as Mars in Leo energizes your career ambitions, motivating you to make bold moves. You'll shine as you begin to dream bigger and aim higher. Mid-month, the Full Moon in Taurus illuminates your partnerships, prompting a reassessment of commitments and closing the chapter on past disagreements. Hold space for your heart and your past to find a solution. As this month closes, Mercury retrograde will enable you to feel more in your power as you analyze your self-worth and become intentional with your next steps in financial planning or business endeavors. Clarity will be set next month.

Sagittarius (November 22 – December 21)

Themes: Revelation and Health

Get ready for a month of revelations and enriching opportunities. The month begins with the New Moon in Scorpio inviting you to assess your emotional patterns, reorienting you toward powering up your inner belief and renewal. Begin an affirmation practice because this lunation will level up your manifestation abilities. Mercury gracing in your sign will invoke clarity and enhance your ability to articulate your ideas. Traveling or seeking out new experiences will be your go-to course, as Mars in Leo fuels your adventurous spirit, motivating you to seek a new perspective. Taking a class or engaging in higher study will fulfill you. Mid-month, the Full Moon in Taurus shifts attention to your work life and health, helping you to assess your well-being. Release whatever is weighing down at work or mental patterns — focus on one thing at a time to ensure productivity. Later this month, your season begins while Mercury retrograde occurs. It will be beneficial to slow down and observe your personal goals and how you're showing yourself up for others.

Capricorn (December 22 – January 19)

Themes: Community and Desires

Prepare for a month focused on community engagement and clarifying your core desires. The New Moon in Scorpio invites you to energize your social circles, sparking intentions for collaboration and shared goals. Be sure that your connections contribute to your vision — enthusiasm is vital for success. With Mercury moving into Sagittarius, you’ll gain insights into your emotional patterns, helping you navigate feelings more effectively. This is your chance to change what no longer meets your standards as Mars in Leo brings energy to transformative experiences in intimacy and with your vulnerability. Get to the root and realize what needs revamping. Mid-month, the Full Moon in Taurus shines a light on your creative and romantic pursuits, urging you to reassess what brings you joy and fulfillment. As Mercury retrograde approaches, take a moment to reflect on past experiences that shaped your emotional landscape; you might find clarity in revisiting old dreams and wishes.

Aquarius (January 20 – February 18)

Themes: Professionalism and Family Roots

Get ready for a month rich in professional focus and social opportunities. The New Moon in Scorpio prompts you to define your career goals, inspiring strategic intentions for success. With Mercury entering Sagittarius, your attention shifts to building social networks and enhancing collaboration and networking potential. Love and partnerships will fire up as Mars in Leo energizes your connections, motivating you to seek mutual growth and shared ambitions. It's time to set the terms with your relationship — this will help you get answers involving its direction. The Full Moon in Taurus highlights your dynamics, prompting a reassessment of your foundational support systems. Revisit the old structures regarding your family roots and decide whether you want to implement this as your course moving forward. As Mercury retrograde sets in, consider reaching out to old friends or colleagues; reconnecting could spark fresh ideas and rejuvenate your professional aspirations and inner needs.

Pisces (February 19 – March 20)

Themes: Exploration and Purpose

You're in for a month of exploring and understanding your life purpose. The New Moon in Scorpio inspires a quest for new knowledge, guiding your intentions toward education, beliefs, or travel opportunities. It is time to fall in love with life by broadening your reach. As Mercury enters Sagittarius, your focus sharpens on your life purpose and public image, enhancing your ability to articulate your ambitions. Dig deeper and understand what stirs in your zest for life. Expect vitality and endurance as Mars in Leo energizes your daily tasks, fueling your enthusiasm for tackling responsibilities. Consider a health kick or a new regimen to help you keep up with your new endeavors. Your body is a temple, and this month is the starting point in getting things done with your motivation. The Full Moon in Taurus lights up your communication skills, enabling you to reassess your old ideas and how they can be cultivated. It's time to launch your idea or make room for something better. With Mercury retrograde approaching, reflect on past career choices; revisiting old projects or connections might unveil new growth opportunities.

1. Talking About Money Can Expose Hidden Feelings

It's impossible to know how someone feels every second of the day, but we probably all think we have a good understanding of the people we're close to. But people are capable of hiding how they feel about something or burying their discomfort until certain situations 'expose' them. Why does it seem like money has a way of doing this?

Both Irwin and Dunlap agree that "money is taboo," leading people to avoid conversations about it. "Data tells us that we are more likely to talk about any other taboo topic—sex, politics, religion, even death—before we’ll talk about money," says Dunlap. West agrees and says, "Money is like that one friend who’s incredibly helpful but totally untrustworthy—everyone likes what they bring to the table, but no one wants to talk about them directly." Did you think of someone specific? It's okay because I did too!

The problem is that money can make "hidden insecurities come out, old sibling rivalries rear their heads," and more, according to West. "Even something like 'who paid for what' can suddenly become a life-or death conversation," she says. It's strange because Irwin says a Wells Fargo study shows that "many Americans across all ages are worried about money," proving we're all thinking about it, despite our avoidance issues.

2. And Money Can Also Create Unease In Conversations

"When we don’t have open conversations about money, we’re left to navigate it on our own, which can keep us feeling underpaid, overworked, or unsure about our financial situation," Dunlap points out. She feels "discussing money requires a huge amount of vulnerability" which "isn't easy for everyone." You may have seen how other topics are swept under the rug by family members or friends based on reasons they're not ready to talk about.

Though Irwin believes saying something like saying, "'Here's what's keeping me up at night' or 'here's what my goals are' could strengthen connections," Dunlap knows that "shame, comparison, or fear of judgement" can cause people to remain tight-lipped about their finances.

If you've experienced a weird moment because of money or had to be the unfortunate witness of an awkward conversation, my apologies. It's not fun no matter who's involved because, unfortunately, "money carries layers of emotions, like pride and insecurity, that turn simple conversations into potential minefields," says West.

Dunlap says there's a silver lining if people are willing to be open, however. "The key is respecting each person’s comfort level, and encouraging openness if they're willing to meet you there. It’s not going to be perfect at first, but by starting to share more about your own financial experiences, you can start to break the cycle of shame and fear around money. You might be surprised at how quickly others are willing to open up too."

3. Making Assumptions About Other’s Money Status And Financial Situation Can Lead To Disrespecting Boundaries

No one's saying you should never lend friends money, but being mindful about the decision is worth noting. West feels "it's complicated" while Dunlap believes the issue "can be tricky." There's a chance a low-key loan becomes an expectation that you should dish out money every time someone needs help, even if you're trying to maintain your own bills. "Lending money to a friend is like sharing your Netflix password—simple in theory, but one wrong move, and things get weird," West forewarns.

Dunlap also says, "When you lend money to someone close to you, there's always the chance that you won’t get it back. You want to be mentally prepared for that! Otherwise, it can strain your finances and your relationship. The emotional toll can be just as heavy, as unpaid loans can lead to resentment or awkwardness." It's not unusual to hear about certain friends being unreliable in more ways than one after you've let them borrow something. Unfortunately, Irwin indicates this happens because some people "don't expect to give something back that they've borrowed."

Because of this, Dunlap thinks "it's best to avoid loans if possible." Should you decide to move forward with helping out a friend who's in a bind, make sure you're both in agreement about repayment and what to expect moving forward. West says "having clear terms" or "gifting a small amount if you can afford it" is like "buying their friendship insurance." The latter is something Dunlap agrees with because it "helps prevent resentment if they can't pay you back as planned." Plus, she feels it also "keeps the loan within an amount you're okay with potentially losing."

4. Lending Money Is A Slippery Slope That Can Lead To Distrust And Resentment

It's amazing how money can lead to a friendship breakup if boundaries aren't created or respected. "Money is a sneaky little devil who can push everyone’s buttons. It can cause resentment if one person feels taken advantage of or someone’s 'casual loan' becomes an epic saga of unpaid IOUs," West says. Not only that, but Dunlap knows "money can strain relationships between friends and family by highlighting differences in how we value it, expect to use it, or feel about sharing it."

Friends and family members shouldn't take each other's kindness for granted, but human nature is fickle at times. That's not an indicator that someone you love is a "bad" person, but they may feel like you owe them your time and money. However, Irwin says this isn't "de facto that that person is entitled." Still, Dunlap is more than aware how this can play out. "For example, it can lead to resentment if one person is always the one picking up the tab, while another might feel uncomfortable or indebted because they’ve been helped financially," she says.

On the other hand, it can show up a little differently in families. She adds, "Issues like unequal inheritance or constant requests for financial help can lead to deep emotional tension. Money can also become a tool for power imbalances, where one person feels in control and the other feels dependent, and that can mess with trust and respect."

When certain negative patterns show up in relationships, it can make people decide to take a step back from being available. "And once distrust settles in, it’s hard to shake; nobody wants to be 'that friend' who’s forever dodging a Venmo request or getting side-eye from relatives at every family BBQ," West points out. How many times have you built up a wall with the people you love because of repeated unreliability or the expectation that you're supposed to help them whenever they ask? If you didn't hesitate to think of a moment, you're living proof that distrust can affect even the closest relationships.

Dunlap says, "When money becomes a main factor in a relationship, it can overshadow the connection, making it difficult to maintain genuine trust and understanding. You can avoid this by having open conversations with friends and family about your financial situation. Clear communication can help keep the focus on the relationship, not the money."

5. You Can Worry You're Not A Good Friend Or Family Member For Setting Money Boundaries

Worrying about how other people feel can keep us from setting boundaries. There's a difference between being an empath and a people pleaser, but it's easy to blur the lines. You can absolutely empathize with someone's hardship while knowing you're not in the position to lend the amount they may be looking for. I'm a huge fan of saying that two things can be true at once — because they can.

Irwin says you need to "address the conversation head on" if a friend does ask you for a loan. Your response may depend on if their ask was "emotionally-charged or "in an uncomfortable environment," but Irwin doesn't recommend ignoring it. If you're not in the space to respond, here's what she suggests saying in a "timely" fashion:

1. "Hey, I need time to think about this. Let me get back to you."
2. "We can help you, but here are our boundaries."
3. "We see and understand you, but we're unable to help because we're trying to pay off debt or save for _______."

Yes, Financial Boundaries Are Essential

Don't think you need to create financial boundaries for yourself and your friends? Think again. West says, "Establishing some ground rules is a lifesaver—think of it adding airbags to the friendship. Setting boundaries early on, like when you’re still in the happy, non-monetary part of the relationship, can protect both sides if things get sticky."

Here's how she advises you proceed with creating boundaries:

1. Keep it light and be honest; you’re not making a prenuptial agreement here, just letting them know you’d like to avoid “financial fireworks” later.
2. Say, “I’m your friend, not your ATM.” It’s funny but helps set the tone that your wallet isn’t a free-for-all.
3. Set a gift cap, such as, "I'm happy to chip in for brunch or a birthday, but let’s not get into home-loan territory.”
4. If you do lend, draw up a repayment plan. Think of it as adulting with a side of accountability to avoid “accidentally” becoming their financial fairy godmother.
5. Limit talk of big financial choices unless you’re genuinely invested together. After all, nobody needs to know how much their friend spends on avocado toast or scented candles, let alone home renos.
6. A little humor and some boundaries go a long way. You’ll save yourself a lot of awkwardness and keep the friendships intact, one “non-loaned” dollar at a time!

Tori says, "It's so important to have transparent conversations about money, set clear boundaries, and ensure that relationships are prioritized in any money exchange." Here are a few things you can try:

1. Communicate about your budget with a “gratitude sandwich.” Say you’re invited to an outing—a dinner, or a sports game—that isn’t within your budget right now. You can respond with the “gratitude sandwich.” The “pieces of bread” are positive, and the “meat” is the money thing you’re scared to say. Thank that person for the invite, let them know it’s not within budget right now, and then offer a cheaper alternative, reassuring them that you’d really love to see them. Offering an alternative reminds that person that declining their invitation isn’t about them, and you still care about them. In doing so, you prioritize your budget AND your relationship in the process.When in doubt, remember that no is a complete sentence. You don’t need to overcomplicate things, and sometimes a simple “no” is all you need.
2. Set expectations early. When planning trips with friends, discuss the budget and how costs will be split upfront. Having these conversations ensures that everyone is on the same page and helps avoid any misunderstandings. It creates a supportive, stress-free environment where everyone can enjoy the experience together without any added worries!

The Final Verdict:

Once you've weighed your options and considered what you need, you can decide to loan your friend money. However, Irwin wants you to consider being formal about it. "You can absolutely draft a promissory note or loan agreement so that your friend knows how serious you are about your boundaries. If you want, you can also put an interest rate on it," she says.

It's not to hurt your friend's feelings, but it is a boundary you can put in place so they think to themselves, "This is truly a loan because I'm borrowing money with the intent to pay it back," Irwin says. It could change the dynamics of your friendship, but it's more about being "purposeful about the language being used" so you and your friend can both move in the "right direction," according to Irwin.

If the idea of creating a 'loan agreement' sounds icky to you, Dunlap wants you to seriously consider it as "an extra bit of protection." She says all you need to do, again, is "try setting up a simple contract to outline repayment terms" because it "can help both of you stay on the same page and avoid misunderstandings down the road."

Her ultimate piece of advice? "Only lend what you're comfortable giving and potentially losing, and keep open communication to maintain trust and respect in the relationship."