Another PROBLEM...

Last week, MIL borrowed a few thousands from us saying she's going to pay us back at the end of the month. I already told hubby that I don't want to lend her the money since she wasn't able to pay the 110K she still owe us. Don't think I'm selfish. It's just that, we're living on a tight income since hubby was the only one working and our son's tuition fee is not that cheap either. Anyways, she's adamant that she'll pay us on time. She even said that the money will be deposited in our checking account on the 3rd week of this month. I checked last Monday, NO MONEY. I don't want to have any problems because of her. We almost lost our house because of her, both our credit cards were maxed-out, AGAIN because of them. So, you see, I don't just make up these horrendous stories. I'm not SELFISH -just protecting my family.