In these years, the people who owe money are the uncles, and the ones who ask for money are the gran

I also know this very well. At the beginning of October last year, selling a motorcycle, a relative of a very good friend called ** and asked us to keep it for him, and he wanted to buy it. A few days later, I came, I was eating on the fifth floor, and my family went to receive it.

After a while, my family came back, and I asked what the money was for the sale of the car, and he said that he didn't have the money, and said that he would give it next month. I didn't take it seriously when I heard it, if someone else had to give cash, after all, the car was good and it was sold at a cheap price, since it was a relative of a good friend, next month would be next month. At the end of November, I didn't see the man who said he wanted to give us money for the motorcycle.

There is no **, no information, no squeak. We waited until the Chinese New Year to ask, and he still said that he had no money and wanted next year. Well, at the end of February this year, I called ** to ask, and he said next month.

It's the end of March again, and there's still no news.

It was a former colleague in Shanghai, probably met in 2007, worked in a factory, the relationship was OK at that time, and then only worked in the factory for half a year, and then changed jobs, but sometimes they would go out to play together, I came to Hangzhou last year, played a few times, today she called ** to me, said that her father was sick, wanted to ask me to borrow money, was embarrassed to refuse and agreed, but when the transfer was made, I found that the money in the card was not enough, only a few hundred yuan, this time the business was very bad, and I lost a lot, I don't have much money, I don't want to borrow, but I'm not too embarrassed to refuse, the important thing is that I haven't seen her for several years, and I can't find her, she doesn't pay me back, and I can't find her, it's just a colleague a long time ago, I don't understand why she would think of asking me to borrow money, this kind of thing should also find someone close to me, I think about it or can't borrow, the first I don't have much money, and the second I'm afraid I don't know when I will pay it back, how can I refuse it again, I promised before, I'm really embarrassed.

If the grandson doesn't lend money to the uncle in the future, he won't be a grandson.

Try not to lend money to someone unless you want to lose this friend personally.

This year, borrowing money really fulfills that sentence: it is the uncle who borrows money, and it is the grandson who asks for money. How hypocritical it is when borrowing money will be vividly reflected when you ask you to pay it back.

My colleague from my previous work trip was on a business trip together, I said a few words, and I know a little bit about his situation, and his girlfriend is also from our company. Soon after, the two of them both left their jobs, and occasionally chatted.

Suddenly, one day he called me ** and asked me to borrow money, saying that his girlfriend was pregnant and came home and her parents knew that they were going to force her to beat her. He felt a lot of pressure, pointing out that Hanmu wanted to pay off the money first, and wanted to get his girlfriend back and keep the child.

I don't know how my brain twitched at the time, I didn't know him well at the time, I only had a few faces, maybe I heard him be sincere, and I really hope that he can recover his girlfriend and keep the child. So although there was no cash at the time, I still used my credit card to lend him 10,000 yuan. He said at the time that he would be responsible for repaying the money and interest every month, and kept thanking him, and I really believed that he would pay it back, but what happened later kept slapping him in the face.

The account transferred in August 2019 was also on WeChat, and it was not repaid in December, and I was told that Huabei was not on it, so I asked him to set it first, and then I went in and immediately turned it back, and I made an excuse after I turned it and said that I couldn't get out, and then I would pay back the money immediately when I went to work. I think I'm really brain-dead.

After that, I went to work, and at the police station in their hometown, I told me that because he was a temporary worker, the employer had been in arrears of wages. Will the state unit be in arrears of wages? And he has been working for him in arrears of wages??

During the period, I found various reasons, and one reason a month has been shirking, and the words are very sincere, but I don't pay back. My husband said that he was a scoundrel, but I didn't believe it, saying that people would definitely pay it back if they had money.

I borrowed money for more than a year and almost two years, but I still refused to repay the money, pretending to be poor in various ways, saying that I was so poor that I couldn't pay back even if I repaid 500 yuan a month. You must know that I don't know how much interest on my credit card has been borrowed for so long, so I sued the court in a fit of anger, and he was in a hurry, transferred 500 yuan, and said that he would settle privately and repay 1,000 yuan to me every month in the future.

I didn't really want to sue him, understanding that he might really encounter difficulties, and I didn't want him to become a dishonest person subject to execution, so I agreed to this plan. The first two months did transfer money to Weisen, and in the third month, he pretended to be dead again, and if I didn't ask, I wouldn't give it, and if I asked, I said that I had no money to give next month, and in the fourth month, I said that I was under pressure, or I would give 500 yuan first. Yesterday it was the 25th again, I didn't remind him, he didn't transfer money, I was really a little crazy.

This kind of person is such a scoundrel, I trusted him again and again, but he fed my kindness to the dog again and again.

I have now decided to put away my mercy (stupidity) and continue to sue in court to recover my losses, and now it seems that it is impossible to repay the money on his own, or the boss will enforce it, I have given him many opportunities.

After this incident, I also learned a lesson, people, you still can't trust others too much, and in the future, except for relatives and friends, I can't borrow money anymore.

It's not that some people are willing to work hard or pay back, mainly because they don't really have money in their hands

First, for the vast majority of people, they are unwilling to be dishonest and are willing to take on the responsibility of repaying loans. Therefore, the phenomenon of dishonesty is indeed caused by business errors, market changes, and upstream enterprises not being trustworthy. If it weren't for these problems, as long as there was a little possibility, it would not be discredited.

You must know that dishonesty is fatal to a person and an enterprise, and there is no way to maneuver. If you have worked hard for a few years, because of your own dishonesty, all of them will be reduced to zero, and it will be unwilling for anyone. They are reluctant to repay the loan, and they are really helpless.

Of course, through legal means, there may not be much to be done. Because, they no longer have assets and money in their hands.

The second point is that in real life, there are indeed some people who, since they entered the society to engage in business, have never been a trustworthy person, and have been relying on walking on the edge of the law to make money, do business, and deal with each other. Therefore, if they are unwilling to repay the loan, they must rely on legal means to enforce their assets and other actions, forcing them to make a statement and action to repay the loan.

When we encounter a situation where we owe money and do not pay it back, as a debtor, we should first negotiate with the other party to repay the loan, and if the other party refuses to repay, we can collect evidence to sue him.

So what do you do if you have to meet someone who doesn't pay back?

First, the voucher must be kept intact. If the amount is large, the two parties sign a loan contract to agree on the repayment period of the loan amount, the calculation of interest and the consequences of default. The first is to bring the second, and it is agreed in advance to avoid trouble later.

Reminder of repayment before the repayment deadline arrives. If the repayment period is agreed, remind the debtor to repay the loan before the repayment deadline arrives, and it is best to leave written evidence, text messages or written things. If there is no agreed repayment period, you can remind you at intervals.

Negotiate a settlement. Some debtors are not unwilling to repay the money, if this is the case, they can negotiate a settlement, write an IOU in time, and urge him to repay the loan as soon as possible. Third, if it can be resolved through negotiation, after all, peace is precious.

If the negotiation fails, the only way to transfer the loan is to file a lawsuit with the debtor or the court where the loan is located. If the loan contract stipulates the competent court, you can file a lawsuit in the agreed court.

So, how do you save money?

The first point and the simplest way is to pay wages every month, the first thing is to deposit one-third or more of the money to 50% according to personal ability and habits, or to buy a more stable fixed investment**. In this way, you will control your desire to spend more.

The second point is the distribution of savings funds, which is a regular monthly savings. It is also possible to make an allocation, which can be to apply for a savings card. Put a part of the money in it and die.

Choose a few fixed **, more stable ones, and put the rest of the savings into it. In this way, you can also lay eggs through **.

The third point is that the fixed deposit of the usual income, in addition to the income of the salary, there will also be additional income, so one-third of the additional income will not hesitate to put it into the savings fund.

Fourth, regularly checking the savings bill can help develop a good habit of saving, that is, constantly enhance the sense of achievement, you can regularly check how much money you have saved now. When you know that your money is increasing, you will unconsciously spend less in life, and you will continue to think about working harder and saving more money.

Fifth, learn to delay consumption.

People often find that they don't like what they buy on a whim. For example, if you suddenly see a beautiful and expensive dress on the Internet today, so you buy it immediately, but often when the goods are delivered, you will feel that the skirt is not sorry for it at all. This is known as impulse spending.