I would say what you just said above, "time to pay up".
Be nice but also be firm...
Be honest and upfront about it, no need to beat around the bush especially since you're family...
The lender should never need to ask for the money back in cases like this but unfortunately, there are some cases where those that were helped in the past don't care to do their part by keeping their words and pay it back...Sad but true..
You're right as the lender we shouldn't have to ever asked for our $$ back. He gave us his words that it should only take him a year to pay us back. It has been 3-5 yrs if I add the other $$ he borrowed too. I just want the 5k upfront for now. It is why I am going to tell my sil his wife that she need to give him my words. He need to start saving or find ways to get us our 5k by summer or May/June. I want the $$ to buy my daughter a car, home repairs, etc. whatever is the reason don't matter. He actually want 10k but we gave him 5k.
Outside friends, co-workers, etc. these type of people when you borrowed to them. They usually paid us back without a problem. With family they think they have all the time in the world to do it. I remember the very 1st person who ever borrowed $$ from us was a so called or distant cousin within our 2/3 yrs marriage. It was $700 but whenever he see us he will remind us that he know he still owed us $700. When my fil was sick and bedridden at home until he took his last breath. That cousin was there with us that day. Motherducker took out $300 from his wallet and gave it to us. Gave us the $400 days later. Over the yrs we will have people tell us why he couldn't pay us our $700 when he work and his wife worked for the FBI. Whatever! Hmong people don't realized that sometimes if you are the one who borrowed the $$ you paid it and their partner has nothing to do with it.
To me I don't care what people do for a living, how much debts they have, how big of their lifestyles, etc. All it matters to me is that if you borrowed $$ then you find a way to pay it back. Don't wait until there is a emergency or family crisis because it will be harder to get that $$ unless you run to the bank to get a loan. It's why I am giving my words to them to start saving $$ now until summer. My husband is too nice and always feel like he is obligated to help when he know their situation better.
At the end I don't want $$ to ruins family relationship.
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