How to refuse money from classmates and friends

Quite simply, you tell the truth, if you really don't have enough money. And if you are married, or find a girlfriend, it is reasonable to use this as an excuse, and don't use your parents as an excuse to say that it is unreasonable.

Also, it depends on how your usual social circle is, if your friends know your financial situation, it is not easy to hide it. Try to hide your financial situation as much as possible.

Another point, with all due respect, depends on who borrows, if some friends are the kind of people who want to borrow again and borrow three times if they don't repay it, it is recommended to consider whether this kind of person is worth intersecting.

Well, let's just say so much, the landlord makes his own decision.

Since it's really not much.

Just tell the truth.

I really don't have much money, so I still have to eat, what do I have to do, and so on.

If he still borrows it, he will lend it to him, and explain that this money is money for food, and he will give it to me one day. Otherwise, I'll eat with him.

Since they are all classmates and friends, let's just say that you don't have much money yourself. If he really wants to borrow it, you can make an agreement with him and pay it back one day. In fact, I feel most uneasy about myself, others are not necessarily, and sometimes I don't want to go.

If you really don't have a lot of money, you can tell the truth and find some excuses or something.

If you can, you can borrow it, they are all classmates and friends, and you can help if you can.

You can say that, ouch, there are not so many on you! I'll help you find someone to borrow! He must be embarrassed by that.

Let's just say that the money is with my girlfriend or my mother.

Borrowing money between classmates is easy to refuseJust get straight to the point, because after all, my parents gave itThis week, my parents gave less, and I didn't have enough, just this sentence, it is completely possible to reject him.

It's okayMore tactfulofSpeak upFor example:

Change the topic, when you borrow money from you at the same table, for example, for example, the reason for not using money is enough, you can also say that my mother gave me this week is not enough money not to spend, my mother always says that I spend too much, this kind of talk to change your topic, this is equivalent to a polite refusal.

Give him an idea, when the table tells you to borrow money, you don't want to borrow, or that sentence, the money is not enough this week, and then you can say, who is the classmate in our class, may have money, or you ask him or something, and at the same time say that you are sorry.

First agree to refuse, don't talk about borrowing money at the same table, let's refuse, you can say yes, how much you borrow, and then no matter how much you say, you say that you don't have enough money, and your mother gives less, and then you want to ask your mother for more, so he will retreat.

Summary,You see, we talk the most, that is, my parents give less, my mother gives less, and I don't spend enough, because that's the reason, and there is no other reason for the rest, it's the reason why my parents give less, so it's easy for classmates to refuse.

1.Tactfully refused:You can say that you don't have enough money recently, you need to buy your own daily necessities, as well as stationery for study, and the money given by your parents is just enough, so I'm sorry that I can't lend it to you.

2.Straightforward refusal:You just say that you can't lend him any more money, your own money is not enough, and you didn't earn it yourself, so if you don't borrow it, let him ask someone else to borrow it.

3.Interest Method:You say that the money you borrowed is not enough, but you can still borrow it, but because you lend it to him, the quality of your living standard has declined, so you have to charge a certain amount of interest, if you want to borrow one or two hundred, you will pay it back next time, you have to pay back ten yuan more, whether you are willing to borrow it or not, it depends on yourself.

If it's just one or two loans, I'm sure I won't accept it, but you're borrowing too much.

4.White lies:He couldn't refuse directly and clearly, he didn't listen to the euphemism, and he didn't accept the interest.

Then you can only say that your parents have been spending too much money recently, so they will give you a little less money, and then your money is not enough recently, so you can't give it. As for how the money is, you can save it, and don't show it to him anyway.

5.How to bring a small snack:Adhering to the principle that you have to be at the same table for two years, you can talk about it well, and you can't borrow money anymore, but you can bring him a little snack once in a while, bring him some candy and bread or something.

At the same table, he is not stingy when he looks down and doesn't look up, after all, everyone is a student, you are difficult for him, and it is difficult for him.

1. The strategy of delaying the army. When a friend proposes to borrow money, after consideration, it is determined that he does not want to lend money to his friend, and there is no need to refuse on the spot. It can be said that

I don't have that much in my hands now, I'll go back and think of a way to give you an answer tomorrow. That way, there's still one day to think about what the reason is.

2. Affirm first and then deny. When a friend asks to borrow money, don't say no, it's too hurtful, first express your understanding, understand that your friend wants to borrow money is a last resort. After finding out the reason why they need to use money, they show that their current economic situation is not very rich, and they can't lend the money to the other party at present, so that the other party also understands, and then retreats from the difficulty.

3. Use hints to refuse. When a friend asks for money, in order not to be emotional, so try not to pick up the conversation, such as: "I have something to do now, Ma Shan wants to go out for a while, let's come back and talk about it." "I'm busy right now, I'll look for you later." ”

4. Suddenly change the subject. If a friend asks to lend him money, if he doesn't want to lend him money, he needs to consciously avoid the topic immediately and forcibly attract the topic to something else. This can not only reduce the degree of embarrassment of the other party, but also gradually reduce the psychology of the other party to borrow money from you, so as to achieve the purpose of euphemistic refusal.

5. Transfer the target. When a friend offered to borrow some money, he didn't want to lend him money. He needs to talk about the reasons why he also needs money, and at the same time be enthusiastic to help his friend analyze people who may help him solve his difficulties.

This way, the other person will not be angry that you did not lend him money, but will thank you for your concern and help.

Friends come to borrow money, if you affirm each other's true friends, we really have surplus money in hand now, and it is better to borrow if it does not hurt the muscles and bones after borrowing, after all, as the old saying goes: emergency is not poor.

1 How to tactfully refuse someone to borrow money? After understanding the difficulties of your friends, then change the topic, and then pull to the account of your own life and expenses, and then calculate your daily or monthly income and expenses in front of your friends, preferably an account that cannot make ends meet, and your friends should also dispel the idea of borrowing money from you after understanding your situation.

2 If you sense that someone is trying to borrow money recently and you really don't want to lend it to him, then you should be prepared with a reason to decline casually, blurting out non-negotiable, so that it is natural and does not affect the feelings. For example, ** set, recently planned a large expense, unfortunately lent it to others, and so on. Don't talk to your family or say anything else that you can't help them, so that they will think that you don't want to help them, rather than being helpless.

For people who often talk to you, you should say no outright, which is better than getting upset about paying back later.

3 Sometimes it is not easy to say no to the other party, often practice in my heart how to say n times, once I can't make up my mind in the face of the other party, I always can't speak. This is where body language comes in handy. Generally speaking, shaking your head means negative, and when someone looks at you and shakes your head, they will understand what you mean, and then you don't need to say more, which is the best way to do it when facing a salesman.

In addition, the interruption of the smile is also a hint of cover, and the sudden interruption of the smile in a conversation with a smile on the face implies the inability to agree and refuse. Similar body language includes adopting a leaning posture, wandering gaze, frequent looking at the watch, and absent-mindedness......But don't hurt the other person's pride.

4 Anyone may be in a hurry to need money, so when a family member or friend is in trouble, they will be very grateful to you for lending a helping hand. But if your relatives, friends or friends are not in good financial condition and often borrow money from others, you should not consider lending money to him; If you have spare money, you can consider directly helping him with a little money, of course, this is within the scope of sending money.

Attack and defend, preemptive: When you clearly understand the other party's intentions, talk about your economic situation before the other party speaks.

Be honest and analyze directly: Through honest analysis, show your powerlessness and gain the understanding of the other party.

Clever transfer method: Avoid the topic of borrowing money by changing the subject, etc.

Just say no, and be cautious about borrowing money, so you can also find a clever reason to refuse.

You can politely refuse him, you said that your parents also give you living expenses on time, if you don't like it, then my life will be ruined, and you also kindly owe him, tell him to arrange his living expenses well, don't borrow money all day long, everyone is a consumer.

You say I didn't have much money.

I also need money to eat by myself, buy drinks, and buy snacks.

Some students just like that, borrowing money and not paying it back.

In the future, you have to deal less with these people.

Then before you borrowed money from him, you complained to him that there was no money to buy anything, and the money your parents had recently given you was not enough, that is, let him stop borrowing money from you.

You can tell him that I haven't mentioned it to my parents about you borrowing money from me, and my parents have recently thought that I am spending a lot of money, and this month my living expenses have been halved, and I have no extra money to lend you.

First, when he borrows money from you, stare at him for 5 seconds, and if he wants to borrow, say you don't have any money.

Second, when he finished, you said that you were also trying to borrow money from him.

Third, first promise him to lend him money, and then pretend that the money has dropped.

Hello, you're a student now, and you don't have the ability to make money, so you just tell him that your parents won't give it to you because you've been spending your pocket money too fast lately.

Since you haven't seen each other for a long time now, and you used to be just an ordinary table mate, if you don't want to borrow money, then just refuse him, don't be embarrassed, you must learn to refuse.

I directly told my table mates that I don't have any money now.

If you tell your table mate that you have money to use, and your table member says that you will pay it back as soon as you borrow it, he is not embarrassed, but you will be very embarrassed.

My classmates asked you to borrow money, you can say that, I want to borrow from you too, but this month will definitely not work, because I am also very nervous here. If it really doesn't work, I'll ask you if the other students are okay. It's actually just a matter of changing the subject.

Refuse outright, or you ask her to borrow money.

If you don't want to lend money to your classmates, you can simply explain your financial situation that your classmates won't borrow it.

One, it can be said: I just recently bought something that I particularly want to buy, and I don't have any extra money for the time being.

Second, I can say that I transferred my savings to my parents.

Three, I'm planning to buy a car, I need a loan, and the down payment is not enough now.

Fourth, I recently took a fancy to a house, and the down payment is not enough, and I am trying to raise money.

Fifth, I signed up for a class and had no money on me.

Sixth, I invested in a project and now I have no liquidity in hand.

You just say you don't have any money. Now you just say you don't have any money, right? It's all students, you borrow a lot of money, and you don't have any money yourself, right?

If you don't want to borrow from your classmates, simply explain your financial situation, and your classmates don't borrow.

Ask him what he's borrowing money for.

1.Direct refusal: Tell the other person directly that you don't have any extra money to lend them for the time being, and you don't need to give much explanation.

3.If you can't borrow money, but you can offer other help, such as finding a job or providing other resources, you can offer it.

4.Tactful rejection: You can express your rejection with euphemism, such as "I'm sorry, I can't lend you money right now, I hope you understand." ”

5.Suggest other ways to borrow: If you really can't borrow money, but know of other ways to borrow, you can suggest that the other person try other methods.

Trying not to give, that is, when the other party makes a request, adopts the tactic of delaying and detouring, and does not allow it for a long time, but repeatedly expresses that he wants to discuss or think about it, then the smart other party will immediately understand what he is not willing to allow.

1. Look at how much money he needs to borrow, if it is within 200 (depending on his own situation), it will be casual, if it is more, just say: there are not so many, there are more places to use money recently, I'm really embarrassed.

Of course, if this excuse is used, there is a more ruthless but more face-hurting saying, that is, "My wife (male compatriots can refer to it) is tightly managed, and there is only so much money that can be used, I really can't borrow more, I'm really embarrassed." ”

2. You can deliberately enter the wrong password, and then swipe the card to prompt the password error, just say that the password was forgotten by your boyfriend & girlfriend just two days ago, think about it, and then enter it wrong, just tell him that you can't lose it again, otherwise the card will be locked or something.

If the password of the bank card is entered wrong 3 times in a row, it will automatically lock the mountain early, and now this regulation of the bank has become a shield, of course, this is just an excuse, if the other party is smart enough, it will understand.

3. Clearly said that he was not comfortable and had to repay the payment. Nowadays, there are many people in society who are burdened with housing loans, car loans and other loans, and telling each other about their actual situation is also a good excuse, after all, their money is not rich.

Therefore, I really can't afford to lend him money, so just tell him this. At this time, don't slap a swollen face and become fat, you have to die to save face and suffer from sin, if you want to save face, then there will be such things in the future, which will be more painful.

4. You can also explain to the other party that your funds have other purposes, don't be upset because you haven't lent money to others, and you really have no obligation to lend him money. It turns out that not only is it difficult to recoup the money when it is lent out, but it is also very likely that you will lose a friend along the way.

There is such a saying on the Internet, if you want to lose a friend, then lend him money, there are really too many examples of friendship breakdown in society because of borrowing money and not paying it back, and it is precisely because of these things that the issue of borrowing money is so sensitive.

5. In fact, you can also consider starting first, and without waiting for him to speak, he said that he was a little short of money recently and planned to borrow money from him. This should be said to be a more ruthless move, and it is estimated that he will not find himself after using this trick. Let's just say that other people borrow money, but there is really no money to lend to him.

Or part of the cashed out money is invested again, and the rest is done for other things, or given to parents, it's okay. Don't go around talking about making money or anything in the future, don't show your wealth.