Geo, you nailed it !!

Lack of planning on your part does not make it an emergency on my part.

While some of my wife's family went on cruises, trips to Las Vegas, etc, and then complained that the government didn't "give" them enough, I wanted to puke. Oh, they still come to me for "carry over loans" because of their lack of planning. It's worth $100.00 to me to not see them for 6 months.