The word 'cadger' has a negative tone, indicating disapproval of the behavior described. Don't be a cadger; it's time you started pulling your own weight.
Pro Tip 2/3
Colloquial Usage
'Cadger' is often used in informal settings, usually among friends or acquaintances. Mike is such a cadger, always crashing on people's couches.
Pro Tip 3/3
Not for Requests
Avoid using 'cadger' when making a request, as it may offend the person you're asking. If you ask her for a favor, she might call you a cadger behind your back.