I have given my car, bike and money countless times to my friends but I never expected anything in return. Or ever asked for a favor from someone.
Maybe, I am not made that way, but I am really uncomfortable asking for money even from my family when I need it.
I loaned a friend $3000 in 2017 to start his business. He still owes me $1000 plus. After every couple of months he would send me $50 or $100😂
I kind of believe that I should help someone if I can, and then move on. Forgetting that I helped someone. Not keeping it in mind that I should get something out of it in future, from the person I helped, or from the universe because I did something good.
But, one of the hard lessons I learned way too late is to say no when people ask me for favors.
I have done things that I regretted later, lost money, and ashamed myself in front of people just because I couldn't say no when someone asked me for something.
Now, I say no a lot more. Some people feel bad about it, some understand but I feel good standing my ground and doing favors that I am happy about.
This I've never done. Not because I've always had enough, just because I cannot bring myself to do so.
I agree with your saying no thing also. That's what I mean by saying I'm not indiscriminate with my generosity. I say no too. It is wise.