I think about this issue a lot, because I often ask my classmates to borrow money to live, buy a house, and borrow money when I am studying for a Ph.D. when living expenses are tight. However, it is usually classmates and friends who take the initiative to offer support. Some of them expected to lend me 30,000 yuan, but in the end I only borrowed 10,000 yuan. And when I got rich (with the provident fund), I paid them back very quickly, sometimes in half a year, sometimes in half a year. In the past few months, there are still two transactions over a year ago, but every time I reach a certain point, I will take the initiative to send a text message to tell the other party that I still owe the other party money. I don’t have enough money now and can’t pay it back, but I am very grateful and tell them When will they be able to pay it back? If their family has a large expenditure, they must tell me and I will transfer it to them in time.

Back to the question. Regarding the situation mentioned by the subject of the question where the students borrowed a little here and there but never paid it back, the amount was not large and I was embarrassed to ask for it. I think the main reason for the question is that you are very financially well-off. Don’t take the small account of a few hundred RMB in your heart. Think of it as charity, because after all, we were friends and classmates. Your friendship is definitely more than just a few hundred RMB. Now you are eating A few hundred people went out for a big dinner, but the social interaction later may be a little lighter. Keep your distance as much as possible. These classmates will probably not be embarrassed to ask you to borrow it in the future. If I ask you to borrow it again, I guess your skin is thicker than the bark of a tree, so you can ignore it. If the question subject is not well-off, you can remind the other party through indirect hints that they will buy a house or a car in the near future. Give more hints. Students with normal EQ and IQ should be able to understand.

Let’s talk about how to politely refuse. First of all, look at the closeness of your relationship. If you are close friends, good sisters who study together in the same dormitory and sleep together, then you should do your best and help them within your own capabilities. But the other person doesn’t ask you how much to lend. For example, if the other person asks you to borrow 10,000, you give him a discount and lend him 5,000, or 2,000. Anyway, it’s not a rejection, but it’s a polite refusal. It can be said that your family is in urgent need of money recently, and your children There are various reasons to start school and pay tuition, to renovate a new house, etc.

If the relationship is not particularly strong, you can adopt the following strategies to refuse: First, ask in detail, why do you want to borrow money? What are you going to do? Anyway, if you keep asking detailed questions, call repeatedly to verify, and say "I thought the person who contacted me on WeChat is a scammer," as long as you have enough patience to talk to him, the vast majority of people will not borrow it again. More often than not, people who contact you to borrow money via WeChat or text messages can actually be ignored if they are not a particularly close relationship, because there are too many fraudulent messages nowadays. Asking for details is definitely effective for girls, but it may also lead to alienation from this classmate or friend to a certain extent. Boys pay attention to brotherly loyalty. Most of the time, the person who lends the money is trying to be righteous and always lends the money generously. After borrowing the money, he regrets it again and is too embarrassed to ask for it.

Secondly. If you persist in asking the person you borrowed money from despite your detailed questioning, the respondent has never seen such a thick-skinned person. He can withstand detailed questioning for a few hundred dollars without any dignity at all. If this happens, the only possibility is that you are really in trouble. As the saying goes, help the urgent but not the poor. Help as much as you can.

Finally. You have to be low-key as a person. Don't show off to your classmates and friends when you make some money, and let everyone around you know that you are rich. The rich in today's society don't look like rich people at all. They ride on the train and wear ordinary clothes worth one or two hundred yuan. Those who are truly rich People have always been very low-key, and only those who get rich suddenly show off their wealth. Make the classmates around you feel that you are not particularly wealthy and that your money is something you have earned through hard work. In this case, they will not easily ask you to borrow money. If they do borrow money, they will definitely pay it back in time, unless RP is super bad. It would be better for such students to silently curse and cut off the relationship.

First you have to have money to borrow

01

Give it to me from a friend I haven’t contacted in a few years Send a message:

"Are you there?" "Yes.

”

“Money is tight lately, please lend me some money.” "

I was confused after listening to it. It was so stupid.

I replied decisively: "Yes. ”

“Lend me 2000.” "Yes." ”

“What’s wrong with you?” "Yes." "

"Damn, automatic reply! " "yes. ”

“…”

02

My roommate gave me one month’s living expenses,

Three We didn’t have any money left for the day.

We swiped our cards for meals

I want to say that our parents’ money didn’t come with a slingshot and a fork.

I am not obligated to check it for you every day.

I have my roommate’s WeChat account and I hope she can forward it to her.

03

Reliable friends,

I will lend money to unreliable friends within my ability,

Loan money to unreliable friends,

Even if you have me, I won’t lend it to you

(So, friends, always be reliable!)

04

Hey,

Look at the burning cloud in the sky.

Does it look like the 100 yuan you borrowed from me last time?

...

05

You need money, easy to talk to~

Give me the information and I will apply for a loan for you!

06

I was going to ask you to borrow it...

We got to know each other My brother, who has been in business for more than 20 years, needed to turn over his business. He asked me to borrow money and promised to pay it back within three months. At that time, I had no spare money and only had three credit cards. I gave him the card and password and asked him to go back by himself. Swipe.

I received a text message in the afternoon and he swiped 30,000 yuan. He called me and asked someone to give me the card. From then on, I didn’t ask him more about the money on WeChat. Are you in a hurry? I said it's not urgent and I'll give it to you when it's convenient.

Less than a month later, he invited me for a drink. There were three people at the table, me, him, and a third generation of my family. Family friends, they have been friends since childhood.

At first, the brother who borrowed money after drinking for three times said, "I only borrowed money from two people, one is you and the other is you. If he comes to you, I know he can definitely borrow it, and he won’t be afraid of losing face.” (Businessmen have good face, haha). The three of them toasted together. They drank until the early hours of the morning.

The next day, he called someone He sent me 32,000 yuan. I called him and asked him why he had 2,000 yuan more. He said it was interest and I said no. He bought me 1,300 yuan worth of fruit and refused to give it to me. I withheld 1,300 yuan. I gave him the 700 red envelope, but he withdrew it and I gave it and withdrew it again. It took a long time, but I didn’t ask for it in the end.

The photo was taken in 1996

After this incident was over and we drank again, no one mentioned borrowing money again. I didn’t want to take credit, but he I also feel that there is no need to express gratitude. We don't keep in touch at ordinary times, but we get together for a drink every month or two. It's just that simple as a brother.

For some people, just one word is enough, and for some people, there is no need to open their mouths at all, right?

This happened to me, and I was about to cry without tears. I work in Xi'an, and a friend of mine in Xi'an lives in a village in the city. I saw that the people in the village were getting angry. He and his father were afraid of losing face, so they asked a bank for a loan to buy a house. The village where they lived was remote, and the family only lived on the second floor. They were speechless. After that, in October 2016, they asked me to borrow money. The loan expired on the 15th and I couldn't find the money. I asked him to borrow more than 10,000 from a childhood sweetheart. After the loan was over, the woman asked his mother to lend him more than 30,000. He borrowed it again from his relatives. In my case This is a loan of 5,000. I should be grateful for lending you money. If not, there are too many reasons to count. I don’t know why I started to get sick one after another after I lent him the money. It took two months for my allergies to heal. I spent more money than I lent him. The previous company stopped making money for half a year, but it still made money in the first year. , I just switched to a new company less than 4 months ago. I had to pay a deposit and buy products. I spent more than 5,000 per day, and I used the money I had saved before. My allergy was gone and I had a bad cold again, my tonsils were inflamed and swollen... After that, I told him in December that I needed money and paid rent. The Chinese New Year was coming soon and I had to buy some New Year's goods to take home. I promised him well and finally arrived. At the end of the month, he lied to me, saying that I was forcing him, urging him, but he never felt embarrassed, and he was competing to see who could talk better. I was really speechless. If someone owed him money, asking for an account would land him in the police station three times! ! ! After agreeing to come out, he asked his father for money, but in the end he went back on his promise and said that he couldn't let his father know that he was borrowing money outside. It was ridiculous. Your loan was about to expire and your father asked you to find money to repay. You were trying to figure out with your toes that you were borrowing money. Money. When I couldn't continue talking to him, I changed my focus and started talking to his childhood sweetheart. I knew she would definitely tell him. This year I didn't go back for the Chinese New Year. I just made excuses and didn't dare to tell the truth to my family, otherwise I would be scolded to death. I just bought some New Year's goods to send home. Because I didn't go back, my grandma called me and scolded me to death, saying that I had no conscience. Fortunately, my popularity is still good. Several fellow villagers, a big brother and a sister lent me money to solve the problem years ago, otherwise I wouldn't have cried. Even though I have no money and no ability, I still imitate others and make myself so miserable! I forced him to sell his iPhone 6 last week, and asked him to give me change one after another, but I still haven’t paid half of it back. Sometimes, if you don’t be cruel and say something cruel, you really don’t think you dare to do it. , He used his fists, and I used my brain. These days, it is the master who borrows money, and it is the grandson who asks for money. He has to be coaxed, so don't borrow money easily. If you want to borrow, it is best to know where his home is, write an IOU and print your fingerprint. If you don't pay back then, go directly to his home. The following is a conversation I had with him and his childhood sweetheart. After I paid off the money, I blocked him directly. I wouldn’t keep him for anything because I didn’t want to make such a friend. The order is out of order, just make do with it

Shakespeare once said that when you lend money to a friend, you often lose both. Want to politely refuse to borrow money without hurting your feelings? Today the prince is here to give you some tips.

Tip 1: Borrow instead

Use the principle of reciprocity, agree first, and then ask the other party to borrow some money for urgent needs from time to time. If you refuse, the other party will be embarrassed to speak next time; if you agree, it is equivalent to indirectly taking back the money.

No. 22 Arrow

If you are married, just say that the money belongs to your husband and wife; if you are still in a relationship, just say that the money belongs to your significant other; If you are still single, just say that you must honor your parents these days. The core of all the above is to find someone to buffer you; it won't hurt your temper and won't make you feel uncomfortable.

Zhendong: Brother, I have something going on at home recently, and I would like to borrow some money from you to make a living, not much, 80,000.

Tianle: OK, my wife is in charge of my money. She will deposit it regularly and I will take it out for you. Are you free the day after tomorrow?

Zhendong: Free.

Tianle: Then call my wife later, and we will meet at a place to give you the money.

After meeting, you can ask your wife to tell you all the things that are inconvenient for you to say, such as interest accrued, the need to write an IOU, and an agreed time for repayment.

Yanxi: Zhendong, you want to borrow money, right? No problem, Tianle told me. One year is enough, right? We want to celebrate my mother's birthday next year.

Zhendong: Almost, one year is enough.

Yanxi: OK, you make an IOU the day after tomorrow, and we go to the bank to give you the money together, so that I can explain it to Tianle. He always says that our family's accounts are in a mess.

Zhendong: Okay, thank you, sister-in-law.

Chapter 69 Pretending to be poor

Constructing a weak image that is worse than the other party, such as "I still owe others money that I haven't paid back", or "Nima, I I was just planning to ask you to borrow some money for some activities. As expected, you are a good brother. If you need any money, come and have a drink and tell me what's going on."

Chapter 88: Recruiting the Rich

"Our brothers have such a good relationship, why are we talking about borrowing?! Although my brother is not rich, but here is two hundred yuan "Take the money, don't mention it again in the future!" Of course, two hundred yuan is an imaginary reference, it depends on your actual situation.

Move 99: Going in circles

Borrow: Are you there?

Answer: Yes.

Borrow: How is the weather over there?

Answer: If you are well, it will be sunny.

Borrow: Haha, you are still so funny. Well...actually I want to tell you...I've been a little tight lately.

Answer: Take your time and let your soul catch up.

Borrow: Well, I can’t even eat anymore, so how can I care about my soul?

Answer: If you know where you are going, the whole world will make way for you.

Borrow: I want to rob a bank, will they give way to me?

Answer: You have suffered the consequences of being too serious in your life.

Borrow: I am still serious.

Answer: Just live your life the way you like.

Borrow: Well, I like the lifestyle of rich people... so can you lend me some money?

Answer: Don’t worry, the years you want will be given to you.

Borrow: I can hardly afford to pay the rent. Can you not be in a hurry?

Answer: May your choice be worthy of your suffering.

Borrow: I TM have no choice!

Answer: You are only responsible for the wonderful things, God has his own arrangements.

Borrow: Lend me some money so that I can improve my life and maybe make it a little more exciting.

Answer: Don’t let your future self hate your present self.

Borrow: If this continues, whether we can survive into the future is a question.

Answer: Your suffering will light your way.

Borrow: It is true to light my way to the grave.

Answer: Some roads can only be walked alone. In the deepest despair, meet the most beautiful accident.

Borrow: Don't do this, I will borrow one thousand, or five hundred... I will cry...

Answer: People whose eyes will be red will never live forever. Will grow old.

Borrow: Do you want to borrow or not? Let me give you a happy word...

Answer: You should always believe in yourself, even if the whole world turns against you.

Borrow: That’s enough, stop talking nonsense!

Answer: As long as you are alive, good things will happen.

Borrow: Forget it, I’ll just block you...

Answer: We are all the same, and we each have our own brilliance. It takes thousands of swings to grow into an adult. You have to believe that there is no tomorrow that cannot come. I only hope that you will be treated gently by this world...

The ultimate trick!

I once borrowed 50,000 yuan from a friend to help with an emergency, and promised to pay it back in three months. Two years later, I couldn’t hold it in any longer, so I pressed for payment. All kinds of excuses, all kinds of reasons, but in short, I have no money.

In the end, he said that I was not interesting enough and did not lack money to be aggressive. The sister replied that if he didn't pay back the money, he would beheaded. Three years later, it was finally paid off and all friends were gone.

I have never asked anyone to borrow money, and no one has ever asked me to borrow money. She is the first and the last one. I was sincere when I lent it to her, and I also sincerely urged her to return it later. If you can fall out because of money, then you will have to fall out sooner or later, don't be afraid.

If someone asks me to borrow money from me in the future, and the amount is small and it is really difficult, just give it to her directly without having to pay it back. It would be nice to have a gentle and compassionate name.

If it exceeds what I can give, in a word, I have no money, so I’m just being euphemistic. As for why I don’t have money, that’s my business and I don’t need to explain it to you.

If you owe money and have not repaid it, please clear the debt as soon as possible. You still need to show friendship and conscience throughout your life. After all, the person who is willing to lend you money once valued you more than money.

When a friend you don’t know well asks you to borrow money

How can you be smart enough not to borrow money

without hurting yourself? What about feelings?

I have compiled a few common tricks that many people use for you

Common tricks that most people use to refuse friends to borrow money

↓ ↓ ↓

The first move: Borrow in reverse

Agree first, and then ask the other party to borrow some money for urgent needs from time to time

If you agree, it is equivalent to taking the money back indirectly

If he If you refuse, then just feed the dog...

↓ ↓ ↓ ↓

Friend: Brother, something happened at home, can you borrow some money for urgent use? ?

You: OK, how much do you want?

Friends: 1000

You: No problem

Queen N...

You: Bro, something happened to me recently , can you lend me some money... (poor)

You: Are you there?

↓ ↓ ↓

The second move: shield

If you have a partner, say that the money is with the partner

If you still I'm single, I say I have to honor my parents recently

Core idea - find someone to buffer you

↓ ↓ ↓ ↓

Friend: Brother, something is wrong at home. Sorry, can you borrow some money for urgent use?

You: I want to help you, but the money is all with my wife

You: On Chinese Valentine's Day the day before yesterday, my wife specially approved 520 yuan, but the red envelope was gone...

↓ ↓ ↓

The third trick: Pretend to be poor

Ask your friends why they borrowed money.

Then compare who is worse off

p>

Speaking of the other party being embarrassed to borrow from you

↓ ↓ ↓ ↓

Friend: Brother, something happened at home, can you borrow some money for urgent use?

You: As expected of a good brother, I have been in trouble recently, and I am planning to ask you for help. What's wrong with you?

Friend: Balabala...

You: Balabala...

Friend: Brother, how about I lend you some money.

↓ ↓ ↓

The fourth trick: Pretend to be rich

Who of us is following the other, what are we talking about borrowing?

↓ ↓ ↓ ↓

Friend: Brother, something happened at home. Can you borrow some money for urgent use?

You: We two brothers have such a good relationship, why should we borrow money from each other?

You: I don’t have much money, so I will send you two hundred yuan tomorrow. You can use it first

You: I will never mention money again

You: Whoever mentions it makes me anxious!

↓ ↓ ↓

The fifth trick: going around in circles

You say something, I say something else, you say something else Borrow money and I'll talk about life with you

Core message - don't answer your questions

↓ ↓ ↓ ↓

Friend: Are you there?

You: Here

Friend: How is the weather there?

You: Don’t be anxious, I will give you all the years you want

Friend: I can’t even afford to eat, and I can barely afford the rent, can you not be anxious?

You: Please believe that God makes arrangements freely, and your suffering will light up your way

Friends: It is true to light the way to the grave

You: Some roads are only Can walk alone

Friend: Do you want to borrow it or not? Give me a happy message

You: You have to believe in yourself, everything will pass

Friend: That's enough, stop talking nonsense! From today onwards, I don’t have you as a friend

You:...

↓ ↓ ↓

The sixth trick: See the trick as you see it

Let me smile secretly

↓ ↓ ↓ ↓

Friend: Brother, something happened at home, can you borrow some money for urgent use?

You: No problem

Friend: Thank you, thank you

You: I have a good project with millions of dollars in hand, and I tell you... do it Well, you can make money...

Haha

Weibo: Youth Inspirational Self-cultivation

Dear friends Let me give you an opinion. One night my ex-boyfriend called me and asked me to borrow money for an urgent need. I gave it to him, and of course he returned it to me that night. He also had a few hundred dollars and said he would give it to me another day. Then something happened to him. I couldn't bear to see him have no money to use.

So I gave you another 800. In total, I still have 1,500 that I haven't paid back. In fact, I don't want him to pay back the money, but his attitude really makes me I can’t accept it.

Everyone in WeChat will disappear when I refresh my phone. Before I sent him a message, it seemed like he had deleted me. Then I sent him a text message and added him back, and now he has deleted me. I just thought it was ridiculous. It’s only 1,500 yuan. It doesn’t matter how much it is. If you don’t have any money, just use it first. As for deleting it, isn’t this behavior of a grown man too ridiculous? I’m stupid too. I thought When two people are together, there is nothing to argue about. Every time I send him a red envelope, he always asks for a red envelope when it comes to holidays. He has never sent it to me once. It is not a matter of money. Boyfriends are always like girlfriends. It doesn't matter if he wants a red envelope and doesn't give her a red envelope. At that time, he thought that he was going to get married anyway, so the money was nothing, so he just gave it away. I didn't expect that he was this kind of person. He just talked about everything and didn't take any practical actions. I have no hope of getting the money back, and I won't ask for it. If he can pay it back, I will take it. If he doesn't pay it back, I won't ask for it. I will just treat him as a pity person and give it to him out of charity