How to refuse to borrow money and not pay it back? How can I refuse to borrow money if I don t pay i

Such a person is actually really hateful, but you have to think about making up a white lie, you have this or that difficulty, poor begging him to let him lend you some money if it is convenient, he will not open his mouth to borrow money from you immediately. It can really be used on such people to treat them with humanity. Oh, there is no morality, why do you tell her what morality?

I'm thinking about it myself! Be cautious!What kind of friends do you have?

I advise you to treat each other with sincerity, true friends will never treat you like this, if you treat you like this, you don't need to involve the problem of borrowing money, you can't blindly be emotional, if you talk too much about feelings, you will become a fool, and people will also deceive you This kind of kindness, hehe, wake up. Life still has to be grasped by yourself, friends have to be made by yourself, and the more people who have experienced, they will slowly become smarter and more mature!

If you borrow money and don't repay it, send her a word, I'm not your bank, or, have you heard of what it means to borrow well and borrow again? If it's the first time you borrow it, you have a good relationship, and you don't want to tear your face, you say, you lent all the money to so-and-so, and she hasn't paid you back until now, and you don't have the money to lend her. In other words, you still borrowed money from others, and you don't have the money to lend her.

You say that you have just borrowed money from someone and have not repaid you, and then say that this kind of person who has borrowed money and does not repay it will never lend him money again. He himself understood.

Hehe, you can do this, you say you're a little tight on money, you don't have any money, take out a little money that isn't too much, and say, "I'm all that's for you, don't pay it back."

Let's just say that it's inconvenient in my hand, and it happens to be used somewhere else, so it's a little more tactful.

Let's just say that there is no money, or a direct showdown.

Say you've been short of money lately, or say you don't have any money.

1: After Duan's friend asks to lend money, if you don't want to lend him money, you need to subconsciously avoid this topic and forcibly attract the topic to other things.

2: Learn to refuse tactfully, don't be afraid to hurt feelings. It is love to lend you money, but it is duty not to lend you money.

3: It is unwise to delay and delay what has been promised, and the method of delaying and delaying here refers to - not giving a reply for the time being, that is, when the other party makes a request, you have not agreed for a long time, but have repeatedly said that you want to study or consider it, so the smart other party can immediately understand that you are not willing to agree.

4: 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, the old cover, shaking your head represents negation, and when others see you shaking their heads, they will understand what you mean.

5: Take offense as defense and strike first. The most crucial factor in this trick is to have the relevant information in advance.

Before the other party speaks, first reveal your "financial situation" and tell him that you are also short of money now. This trick can be described as a "pre-emptive strike" to avoid giving the impression that you are making excuses.

6 Try not to reply. That is to say, when the other party makes a request, you adopt the tactic of delaying and detouring, and do not agree for a long time, but repeatedly say that you want to study or consider it, then the smart other party will immediately understand that you are not willing to agree. If the other party is still stalking after the above steps, you can choose to ignore them.

Hello, yes, I think many people have encountered this kind of old man in real life.

There is a concept in psychology called the loss effect, and studies have found that the pain of losing something is twice as great as the joy of getting it. In other words, if you lose 100 dollars, then you will have to pick up at least 250 dollars to balance the damage you have suffered inside.

The loss effect is nothing more than a human nature. When those people borrow money for a long time, they will feel that the money is their own. So, when you need them to pay it back, they feel like they've suffered a huge loss.

Psychologically speaking, they are very resistant to paying back, especially the one with a relatively large amount, which is tantamount to making them suffer like cutting off their flesh and mending sores. They must have a strong sense of self-discipline to overcome this nature, but most people borrow money often because they are not able to manage themselves financially, which essentially means that they are a very undisciplined person.

We can conclude that asking the borrower to repay the money is tantamount to making an undisciplined person self-disciplined. What is self-discipline? The essence of self-discipline is to kill a decadent self with your own hands, which is originally a very difficult thing, which is why many people borrow money in real life and do not pay it back.

If you cherish friendship, then it is best not to have any financial dealings with your friend, especially not to lend him money, because the person who borrows money often will most likely not pay it back.

As the saying goes: making money is like picking up soil with a needle, and spending money is like water washing sand. No one's money is blown by the wind, and it is not easy for anyone to save a few dollars.

Some of those who borrow money from others should cherish this friendship, not everyone is willing to lend you money, especially in the past two years when the economy has been very tight, there are still people who are willing to borrow money for you. When I say this, I don't have any confidence in my heart. For those "old pure spersuaries" whose skin is thicker than the city wall, it is tantamount to playing the piano to the cow with a trouser belt, maybe he will immediately reply to me:

Yes, the cow is playing the harp.

In conclusion, those who are ready to lend their money, before you lend it to someone else, understand these four points:

First, 90% of borrowers don't pay it back on time;

Second, 80% of people don't want to pay back;

Third, when he borrowed your money, he didn't think that he would become the one who didn't want to pay it back;

Fourth, the money you borrowed is basically going down the drain. Even though he was sincere when he borrowed money, even though you think he is a very nice person.

Of course, not everyone will be a "lai", and not everyone is not honest, and there are still some people in this world who are trustworthy. But please don't test a person's integrity and character by borrowing money, many people's performance in front of money will make you completely "cold and happy". This is not a prejudice, nor is it a misunderstanding, this is a reality with a high probability.

In this way, there is no doubt that you will pay a heavy price, and he will not lose a penny, and he will take your money around and be happy.

So, don't lend money out easily.

When faced with a request for a loan, if we don't want to borrow or really can't borrow, how can we politely decline it? Here are some suggestions:

1.Directly meet and express his position: Frankly and directly say that he cannot or does not want to borrow, and honestly express his feelings and positions.

2.Justification: For example, the economy has been bad recently, and the savings are used for other investments, plans, or expenses.

3.Be targeted with rejection while expressing gratitude and understanding for the other person: for example, you can say:

Thank you very much for your trust, but I'm very sorry I can't lend it to you because I also need to think about my future and financial security. I hope you can understand my position and my situation. Your trust is very important to me.

4.If you are too embarrassed to refuse, you can use an excuse to hold off, and then strictly follow your own plans and considerations to decide whether you are willing or able to lend to the other party.

In short, no matter what method you use to refuse, you must be sincere, polite and do not hurt the other person's self-esteem. Even if you can't help, you can still show your care and support for others in words and expressions.

It's embarrassing to refuse someone to lend money, but if you don't want to lend money to someone else, you can decline gracefully, here are some ways to do it:

1.Direct Decline: Tell them you can't lend them money by saying, "I'm sorry, I can't lend you money right now." ”

2.Give a reason for borrowing money: You can tell the person that your current financial situation does not allow you to lend them money, or that you need the money for other purposes.

3.Shift the topic: You can move the topic to something else, such as saying that you don't know much about the issue, or that you need to think about it first.

4.Offer additional help: You can offer additional help, such as saying that you can help the other person find other ways to borrow money.

Either way, you need to be polite and sincere in refusing other people's requests, while protecting your own interests as much as possible.