As a guy, I don't go around calling girls babe or sweetie because in my book, that might be read as showing interest when I clearly do not want to convey such thoughts or emotions. First names generally work best with girls that you don't know that well, or a teasing name with female friends.
He might just be calling these girls such names as habit without thinking about it. I worked with an older guy that was like that and he did it all the time to girls he had no interest in chasing. I still don't think it is a good idea, but oh well.
As far as giving a large tip, at least he's generous when he likes good service, right? Is he generous in other areas, or just a bit too loose with his money in general? Have you had a talk about how to budget and what you expect in terms of money management?
Is he always asking you for money? Is he generous with you from time to time? He could have totally forgotten that he had other things to buy which sounds like he doesn't plan out his spending habits. That needs to be discussed.
Also, why would you think he's trying to take advantage of you? Has he lied to you, cheated on you or otherwise given you reason to believe that he's less than faithful or a jerk? Those are strong words you used, I am getting the feeling that you didn't give us the whole story the first time around.
What other things do you like about him and what things are causing you to worry? Saying that someone may be a jerk or trying to take advantage of you are strong accusations.
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