You are to be commended for observing SD Rule #1: Never send money to anyone you have not yet met face to face. Ever!
I've got similar stories of course. One of the most egregious was a POT who told me she lived local to me (within 5 miles) and agreed to a M&G for lunch at Noon at an upscale French bistro at the local mall. We swapped confirmation texts for 3 days until the M&G date. I texted her that morning at 10 am, no reply. I texted her again at 11:15 am, no reply. I drove to the bistro, checked 15 minutes early for my reservation and texted her again at 11:45, Noon, and 12:10. No replies. I sent one more at 25 mins after Noon that I was ready to head home and move on. She finally replied - I'll paraphrase the conversation.
HER:
- Oh, sorry, late night at work, I just woke up
- I need to get ready
- It's about a 40-minute drive (because she lives 20 miles away by the beach and there's only one main road._
- So how about meeting at 2:00 pm? (Two hours late!)
- Then: Oh yeah, how much will you be giving me for my time, Hon? I usually get at least $200 for lunch.
ME:
- no reply
BTW, there are SB's who do have real issues. Once you have an established arrangement, she may ask you for extra money for a legit problem. Up to you if you want to fund it but keep these concepts in mind:
1. SB's are NOT problem solvers - duh.
2. Once they have a nice SD in hand, they hope that all problems can be solved with cash - your cash.
3. But you are a problem solver and can help her find solutions at lower cost-but probably more effort (by her).
Example:
SB: I need $500 to make my car payment
SD: Why don't you have enough cash to pay?
SB: Actually, I'm 2 months late and they want to repo it.
SD: How much do you owe on the loan and how much is the payment and what's the interest rate
SB: -- gives you the data --
SD: That car is new enough to refinance at a lower rate for a longer time. You will end up with a lower payment.
SB: I don't know how to do that
SD: Don't worry Babe, I'll show you - right after I make my own "deposit" (impish grin).
Life is good
The Cat