Most people in the UK aren’t banking it these days.
We’ve got a cost of living crisis going on. Prices for everything are consistently going up, wages are stagnant, and the economy as a whole… isn’t great (unless you’re already a billionaire). However, there are definitely people out there with money, and if you happen to be friends with some while you’re struggling to make ends meet, it can be pretty awkward. It’s ridiculous that socioeconomic status is still a dividing factor these days, but the reality is that it is. Here’s how to try to make it less of a thing with your rich friends without putting yourself down for not being so well-off.
1. Don’t apologise for not affording everything.
It’s totally fine not to be able to keep up with every expensive outing. Don’t feel guilty — everyone’s financial situation is different, and a true friend will never make you feel bad about it. Being open about your limits shows self-awareness and maturity, which are qualities real friends respect. There’s no need to overspend just to maintain a friendship; they’ll appreciate your honesty and value your presence over your wallet.
2. Be honest about your budget.
If you can’t afford something, just say so. It’s refreshing to be straightforward, and it saves you from trying to keep up with things that might stress you out financially. Being transparent doesn’t mean you’re not trying to contribute, it just means you know where to draw the line. Plus, it allows them to respect your boundaries, and you’ll likely find they’ll suggest options that suit both of you more.
3. Suggest more affordable alternatives.
Instead of always agreeing to pricey plans, throw out some budget-friendly ideas that you’re comfortable with. It’ll show that you’re thinking of fun ways to spend time together without breaking the bank. This will also lead to finding things you both enjoy, without the pressure of expensive bills. Plus, often these more casual outings create more meaningful experiences than the fancy dinners or expensive trips.
4. Celebrate the little things together.
Sometimes the best memories come from simple activities. Suggest a movie night, a park picnic, or a casual dinner at home. You’ll be surprised at how much fun you can have on a budget. It’s not the price tag that makes memories, it’s the quality time spent together, and that’s what truly matters in a friendship.
5. Don’t be jealous of their wealth.
It’s easy to feel envious, but remember that their financial situation doesn’t define your worth. Stay focused on your own path, and appreciate the good things you have in your life. Comparing yourself to other people only leads to frustration. Your value is based on who you are as a person, not how much you earn or spend.
6. Focus on the friendship, not the finances.
True friendships are built on mutual respect and shared interests, not material possessions. Keep the conversation about what really matters, like your favourite books, hobbies, or random life updates! When you stop focusing on money, it becomes easier to appreciate the connection you share. Remember, your bond is far more meaningful than what’s in each other’s wallets.
7. Compliment their taste without overdoing it.
It’s totally okay to admire their style or fancy gadgets, but be careful not to over-praise things just to fit in. It can feel disingenuous if you keep emphasising the expensive stuff. Compliments are great, but they should be about their personality, humour, or the qualities you genuinely admire. Focusing on their character, rather than their possessions, helps keep things real between you both.
8. Don’t let them pay for everything.
If they’re generous and offer to cover things, don’t just let them always pick up the tab. Offer to contribute when you can. It’s about finding that give-and-take, so it’s not all one-sided. Offering to pay your share shows you’re contributing to the friendship, and it also keeps the relationship feeling balanced and fair, even when the financial dynamics differ.
9. Keep conversations balanced.
When talking about your life, don’t feel the need to downplay your experiences or achievements just because they have a different lifestyle. Share your wins and struggles — everyone’s journey is unique, and they’ll appreciate hearing about yours! A real friend wants to hear about your thoughts, not just your pay cheque. Keep the focus on shared interests and stories, rather than comparing lifestyles.
10. Don’t feel the need to compete.
There’s no need to keep up with their lifestyle, whether it’s the latest tech or expensive hobbies. Focus on your own growth and don’t compare. Your value isn’t measured by the price tag of your stuff. Enjoy what you have and feel content with it — true friends will admire you for your authenticity, not your possessions.
11. Keep your own priorities straight.
While it’s tempting to say ‘yes’ to lavish experiences, stay true to your own financial goals. It’s okay to say no, and your friend will respect your commitment to your values. By being honest about your financial priorities, you show that you value the future you’re building rather than momentary pleasures. They’ll admire your discipline and maturity in managing your money responsibly.
12. Avoid making money the centre of conversations.
Money can be a sensitive subject, so steer the conversation towards more neutral topics. Focus on what you both enjoy discussing, like shared passions, recent travels, or funny life moments. It keeps things laid-back and ensures the relationship is about more than just wealth. It’s these deeper, more genuine connections that last longer than anything material.
13. Don’t let them guilt you into spending more.
If they pressure you into something too expensive, gently steer the conversation towards something within your budget. A real friend will respect your decision and won’t push you into uncomfortable situations. Don’t feel bad for saying no to something you can’t afford. It’s important to honour your own financial boundaries, and your friend will respect that in the long run.
14. Show appreciation for their generosity.
When your friend does treat you to something nice, be sure to thank them. It’s important to acknowledge their kindness, but also to remind them that you’re always grateful for their friendship, not just their wealth! By showing appreciation, you reinforce the value of your relationship beyond just material gifts. Your gratitude deepens the friendship, making it about the time and effort shared, not just the money spent.
