When a friend borrows money, you ask 'how much to borrow' as soon as you open your mouth, and you lose. Smart people refuse like this
What is the most taboo thing between friends? If you ask ten people, they will definitely say they borrowed money! As the saying goes: Talking about money hurts feelings, when talking about feelings, don’t mention borrowing money. There are a lot of people who have disputes or even break up with friends because of borrowing money.
The Jews are the nation that is best at wealth management. They have a famous saying: Don't lend money to a friend, and once you borrow it, you will lose one friend. When borrowing money, there is a negotiable amount, and when you repay the money, it is very likely that you will be ripped off.
Borrowing money also depends on the situation. In some cases, you can borrow it if you really need to save your life. In some cases, the other party uses it to buy a house or a car with high consumption, or invest to make money, so you can't borrow it.
When a friend borrows money, you ask "how much to borrow" as soon as you open your mouth, and you lose. Smart people refuse like this
Xiao Zhang heard that it was a good time to buy a house, and the house at home was too small. But he didn't have enough money, so he wanted to find his good friend Xiao Li to borrow tens of thousands of dollars.
Xiao Zhang: "Brother, I need money urgently, lend me some!" Xiao Li panicked and asked, "How much?" Xiao Zhang: "Not much, just 50,000, this amount of money is trivial to you Let's go." Xiao Li said, "I don't actually have a lot of cash on hand, and I have it for emergencies. I'll lend you 10,000 yuan, and the interest will not be charged." Xiao Zhang: "No, you are so rich, and you are by your side. Do you only have this amount of money, ten thousand is not enough, I want to buy another house." Xiao Li: "I only have one house, and I also want to save some money to buy a suite, so I can only borrow this much from you. !"
Xiao Zhang took 10,000 yuan and walked away, feeling resentful in his heart: such a good brother on weekdays, when I need help, he is so disrespectful. Is our friendship only worth 10,000 yuan? Xiao Li borrowed the money, but it was thankless, and he was very sad inside.
Borrowing money is also a science, don't just focus on the amount of the loan, but pay attention to the purpose of the loan.
When a friend borrows money, you ask "how much to borrow" as soon as you open your mouth, and you lose. Smart people refuse like this
As the so-called "rescue the emergency but not the poor", we cannot rob one's own poverty to help others' wealth. When a friend borrows money, you ask "how much to borrow" as soon as you open your mouth, and you lose. Smart people refuse like this.
One: It is not for emergency use, in principle, it is not borrowed.
Relatives and friends borrow money, we don't come up and ask him how much he wants to borrow.
Unreasonable use, can't borrow a cent, saving people or emergency use, that's the real help.
For example, he idles around every day, his family is so poor that there is no rice to cook, and he asks you to borrow money to eat. Lending such money to him will harm him, making him stop working every day, and buy and buy all kinds of things without restraint. There are also people who borrow your money to engage in venture capital and want to make more money. If they make a profit, they will pay you back, and if they lose, there will be nothing left. It's best not to borrow such money, no matter how much benefit he promises you, you can't borrow it.
When a friend borrows money, you ask "how much to borrow" as soon as you open your mouth, and you lose. Smart people refuse like this
For example, a friend is in urgent need of cash for business. You know that he is doing legitimate business, and he can pay you back immediately after the cash is turned around. This can be borrowed. Another example is that one of your relatives is sick and needs money urgently. His life is the greatest. If he can help, he can help within his ability.
When it comes to borrowing, do not give priority to the issue of quantity, but to consider the motive of the other party to borrow money.
Two: To borrow money, you need to comprehensively consider the creditworthiness of the other party, and how much loss you can bear at most.
Everyone who borrows money from you has a different relationship with you, and his credit rating in your heart is also different, which determines how much you can lend to him.
Some people are nodding acquaintances, and he asks you to borrow a few hundred dollars for urgent use, then borrow it, even if he disappears and doesn't pay you back, that's fine. Your friendship may only be worth a few hundred dollars.
Some good friends have borrowed tens of thousands of dollars. He also knows that your relationship cannot be measured by this amount of money, and he will definitely try his best to return it to you. Going back 10,000 steps, if he refuses to pay his debts, then using this money to see a person's hypocritical face, even if he pays for his old feelings, it's not worth it, but he just loses a friend from now on.
Borrow money from the other party within the range you can afford, plan for the worst, and see if you can afford to lose.
Three: Learn to refuse politely, don't be afraid of hurting your feelings.
It is also learned to refuse unreasonable borrowing requests from others. Because we have assessed the unreasonableness, we cannot borrow. When it is time to refuse, we must refuse, and don’t be afraid of hurting our feelings.
It is love to lend you money, and duty not to lend you money. If you have to choose to cut off friendship because you do not lend you money, it is not my fault.
When a friend borrows money, you ask "how much to borrow" as soon as you open your mouth, and you lose. Smart people refuse like this
But refusal also requires certain skills, so that the other party understands that you do not want to tear your face.
If the other party wants to borrow money to buy a second house, you can say: In fact, I have been saving money to pay a down payment, and now I still lack a little. He can also understand, who is not short of money now? Everyone has their own difficulties. Whoever has money and doesn't know how to invest will leave it there to idle.
When a person who is not in a relationship asks you to borrow a few thousand dollars to spend freely, you can say: the money at home is managed by the wife, and she must know who borrows the money and what to do with it. In this way, he will naturally not want to ask you for it.
Conclusion: There is no real gentleman in the wine, and the money is clear. Although money is an external thing, it is closely related to our work and life. If you have money, it will make life better. If you have money, it will only ruin your life. Borrowing money is a tricky thing. If you handle it properly, it can help you gain a good reputation. If you don't handle it well, you may be disliked everywhere.
When a friend borrows money, you ask "how much to borrow" as soon as you open your mouth, and you lose. Smart people refuse like this
In a word, stick to your own principles, sometimes don't let yourself down, the other party will turn against you because of borrowing money, and when it's time to turn against you, you don't have to.
