About a year ago I decided to help a good friend get a loan because she was having some trouble financially and had no money for Christmas. Against my better judgment, I went with my heart and co-signed. Throughout the last year she has been late a few times and I have had to make the payment once or twice. What happened was that her situation got worse because she had to have surgery on her arm and the medical bills pushed her down further. She is separated from an abusive husband. Her life has been hard. She told me that she was late on the payment this month and was going to get a payday loan which is risky business. I went ahead and made the payment again even though it means I can't give some of the gifts I was planning on to other friends. So yes, I'm enabling to some degree. My husband also told me that I overgive and that do I think people are going to love me if I give that way. It made me think. Just stuff for me to ponder.