If it were me, I would tell the person that I just can’t afford to give anything. With prices of everything rising and such, “I just don’t have the extra money right now. Sorry, I’d love to help but really don’t want to put myself in a bad financial position”
Something to that effect is what I would say.
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"Heather, dear, I'd love to buy that for you, but I have about ten other girls that need things, and I just bought you something. Maybe in a couple of months we can talk about what you need."
She will most likely ghost you, and you should feel good about that.
I gave a girl I work with a cellphone because hers broke. She had to go out of town for a two week class, and she wanted to be able to keep in touch with her husband and kids. I had an extra phone collecting dust, so I gave it to her. All I asked for, was that she send me texts telling me how the class was going, because I hated every fucking minute of it when I went. She agreed. How many texts do you think I got?
I usually maintain a boundary. And everyone know that. So I haven't encountered such a scene. So I'm no real help here. But one thing though, you are never really late to create a boundary. I don't know how to teach you create one. Because it kind of come naturally to me. (Yeah it has its own disadvantages too. But it's really helpful). So my advice is search a little bit about his to create boundaries.
"Lately, Heather has been asking me and a group of mutual friends to buy her video games and “skins” or whatever." That's ridiculous.
'How do I approach Heather?" You don't have to approach her. If she asks, just say "Sorry, Heather, I'm not giving you any more money." She will yell or cry or whatever. Just walk away.
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No, go to Bojangles and get a 15.00 job and hand her the application
Look her in the eye and simply say 'no!" Enough is enough.
As I read that honestly I don’t think there really is a nice way and I think you should tell her to f off
Just tell her straight up
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