My classmate, a girl, owes me $100 bucks for 5 months already.
The first time I asked her back for it (in a nice, polite manner)
was before CNY, and I assumed that out of good cause, she'd have
the sense to save part of her redpacket money to pay me back. THEN,
after the CNY holiday, she comes back to school and I overheard her
saying to another friend, "Wahhh...my angbao money all gone liao
laaaa...spent on gambling, clubbing, etc etc." 
. I didn't pursue this matter till last week, where I
sent her an sms again, to ask her when she can actually pay me
(again, I did it nicely). So she replied me, saying she really
can't raise the money now, as she has to pay her phone bills and
her mom gives her very little pocket money. Of course after hearing
this I replied her that it'd be good if she could kindly try her
best and raise the sum by the end of may, and that if she should
not be able to do it by then, kindly drop me an sms. The thing I
don't get is, a close friend of hers came and told me that she gets
$10 a day and her phone bills add up to a max of only $20+ a month.
AND, she isn't really making an effort to save up money- she takes
a cab most of the time to her boyfriend's house etc- To make things
worse, she actually owes 3 others money, adding up to close to
$200, all not returned yet. She also complains that it is really
stressful when people want their money back from her. I mean, if
she knows she can't return the money, why did she even borrow it in
the first place? I don't think I'm being unreasonable here, am I? I
gave her 5 months to return a hundred bucks. If she took the effort
to save up a measly dollar everyday, I'm sure she'd be able to pay
her dues aready.
How? 
