Her Love Finished When My Money Finished

When I started dating Gemma two years ago, I owned a couple of businesses. They were mostly phone shops. I was also into gold trade. 

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Unfortunately, in December last year, gold prices began to drop. Around the same time, my girlfriend loaned me ₵150,000 to reinvest in my business. I gave the money to a trusted friend who had been helping me buy gold from small-scale mining sites. Every Sunday, he’d bring in gold and take more money to reinvest. We had worked together for a long time, so I didn’t think twice about our dealings.

Unfortunately, that trust backfired. My friend vanished without any warning. when I tried desperately to reach him and failed, I reported him to the police. My girlfriend was aware of everything. I was always open with her about my business dealings.

It was as if fate had aligned against me. Just when my friend ran off with my money, my businesses started falling apart. I wasn’t making money like I used to. The entire time, my girlfriend had a steady income. Her parents owned a successful business, and she earned well from it. 

Although I knew she had money in abundance, I never took her loan for granted. My main focus was to get my finances in order so I could repay her.

In early March, when she asked for her money back, I was still financially unstable. So I asked her to give me more time.

By the end of April, she asked for her money again. I explained that I was still struggling, so she should be patient with me. The very next day, I got a call that the guy who ran away with our money had been arrested. I informed her immediately, and we were both hopeful.

Later, my friend’s family reached out to me. They couldn’t afford to pay even a third of the debt, but they promised to make him work and repay it gradually. I kept my girlfriend updated with all these happenings.

In May, a friend from junior high visited one of my phone shops to find it closed. He was very disappointed when I explained my financial situation to him. He said he couldn’t let me remain down. He gave me an impressive amount of money to restart the business. His kindness helped me get one of the shops up and running.

Less than a week after reopening the shop, my girlfriend asked me to upgrade her phone. She already had an iPhone 15 Pro Max, one I had bought for her. She could afford any phone she wanted, but she insisted I buy her iPhone 16 Pro Max.

“Babe, I can’t afford that phone,” I explained to her, “the money I used to restart the shop is not even mine. I need time to get my affairs together.”

After that conversation, her attitude changed completely. She started calling me multiple times a day, aggressively demanding her money. I didn’t give her the money, so she resorted to insults and curses. I was so shocked. I can’t even repeat some of the things she said to me here. You wouldn’t know this is someone who loves me. 

At that time, I had some savings in my dollar account. I considered converting it to settle her, but the exchange rate had dropped badly. I told her I had enough to cover about 70 to 80 percent of what I owed her. Before I could add that I need a little more time to pay the rest, she lost it. The things Gemma said to me did not match her pretty face. She hurled insults and curses at me. Then added, “I left someone I loved for you. Do you think I can’t leave you too?”

I felt humiliated, but I kept quiet. After all, I was the one who owed her money. Instead of registering my displeasure at her attitude, I kept trying to show her gratitude. I bought her gifts and gave her money when I could. Sometimes I gave her everything I made from the phone shop, just to let her know I appreciate what she did for me. Regardless, things kept getting worse.

One day, after she insulted me so badly. That was when I decided I’d had enough. I went to the bank and withdrew my dollar savings. I also sold the little gold I had left, even though prices were down. I just wanted peace of mind.

That Saturday morning, I went to her house.

I said, “This is what I’ve been able to raise. You know the situation. Someone ran off with both our money. You’ve been insulting me and my family. Please, take this. It’s not the full amount, but I only owe you 10 percent now.”

She took the money, but the insults haven’t stopped. She keeps calling, sometimes ten times a day. All her calls end with threats and insults because of GHC10,000. I still can’t believe Gemma is the one treating me like this.

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To be honest, if I were to list everything I’ve done for her when times were good, this story would never end. 

I know I’m at fault for not finishing the payment, and I understand her frustration. But even when I try to talk to her now, all I get is abuse.

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This is the same woman who, back when things were better, would say things like, “Don’t we share everything already? I won’t ask you to pay me back,” whenever she gave me money. That’s why I felt comfortable taking a loan from her in the first place. Look how she is treating me now. 

After everything she has done to me because of her money, would I be wrong to leave her when I finish paying the full amount? 

—Maxi
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