am i being too cruel? please need advice?

i think you did the right thing, if he can never return your money then you cant trust him!

First of all, Learn how to type so that people can understand you and I noticed a lot of unnecessary repetitive words.

Second of all, parents are basically SUPPOSED to give their children a good education, they don't have to but you should feel grateful if they do. You don't owe your parents money after all, you owe them loyalty, and honestly every family member you listed sounded like a moocher. It seems like they are only taking you for granted. You should for YOURSELF. Don't spend money on your parents when they are in debt with you and possibly other people. If you were referring to yourself as a middle schooler when they first started borrowing money, that's terrible! CHILDREN should never worry about financial destruction in a home. Though I believe that if your parents are financially struggling when you are older it is fine if you help them out a little, but put your own needs first. It seems like you are a tool and you are being used as an easy doormat. You were NOT too harsh. It's good to do something for yourself for a change.

It's a terrible situation your family has put you in. It sounds as though you are always willing to lend money if asked. Since you have always done this in the past, your family has come to expect it.

Why are you the one they always demand money from? Is it because you have never refused? If you don't take a stand for yourself, the constant demands from your family will never stop.

Of course we all want to Please our family, but your money is yours. If you were responsible enough to save for a smart phone, you have every right to do what yOu wish with the money. It sounds to me that others in your family lack the responsibility to save and plan. This may be due to your constant loans.

I do not think it is wrong or cruel of you to spend your money on something you desire. Yes, you should help your family when its needed but your generosity is being taken advantage of.

Try explaining to your family that you cannot always provide your money to others. Ask them why it is appropriate for them to always demand your money rather than save their own.

If you want a certain type of phone there is nothing wrong with buying what you want.

If you don't stop people from taking advantage of you, they will not stop themselves.

As long as he returns your money back it's gonna be alright.