I had the EXACT same pitch from a couple of girls the other day, right down to the "party guys next door". I told them I didn't have any money and they said "Do you have a debit or credit card? You can use one of those too." I told them I couldn't help them and closed the door.
Sticks and stones may break my bones, but Hollowpoints expand on impact. (Stolen from Coolhand567)