How can I decline the question of borrowing money from a good friend?

You can borrow, and you have to grasp how much you can borrow, for example, you can borrow as much as you can afford to do it, and how deep your feelings are. I usually borrow from others, my one-month's salary (good friend) or half a year's salary (best friend), I won't borrow it, and I can't borrow it, because I am generally mentally prepared to lend it out--- I don't plan to pay it back to others. In fact, there is a saying:

If you want to turn a friend into an enemy, lend him money, and if you want to turn an enemy into a friend, lend him money.

How did you meet those friends?

If it's really a good friend, you really don't have the money to lend him.

Tell him directly, he won't blame you!

Otherwise, such a friend is not worth making!

I lent a friend 5,000 yuan, do you believe it? I really wanted to kill him. It's a pity that I can't find him now, I borrowed 250 from a friend and he didn't pay me back, I asked him for it, he said I am not enough friends, just a little money, you are really not enough friends and are you afraid that I will not pay you back?

I didn't say no, you have nothing to say. You know? You must think about borrowing money, and if you lend him money, you will become his creditor.

He formed a different relationship between the creditor and the debtor. So, try not to borrow money from a good friend, but a friend can lend him money. Be careful, though, and keep an eye out.

In real life, no one will inevitably borrow money from relatives and friends, if the other party is a very familiar and credibility person, of course borrowing money is not a problem, if the friend who borrowed money does not want to lend for credit reasons, only cleverly refuse, then, do you know how to cleverly shirk it without hurting the relationship between friends?

a. Figure out the purpose of borrowing money, and insist on borrowing urgently rather than borrowing poor

Anyone may be in a hurry to use money, so when a good friend is really in trouble, it is good to lend your hand, but before borrowing, you must figure out the specific purpose of borrowing money, if it is personal consumption, it is best to cry poor and push it away. If it is a business turnover, make sure that the other party has the ability and credit to repay, and then consider it. If the other party flashes words or conceals the purpose, be sure not to borrow it.

Before you borrow money, you should also check the trust of the borrower, if the person is unreliable, the borrowing will be wasted. There are many people who are not grateful. No matter how you help him, he will take it for granted, and he will not remember you well, but will only complain about you.

b. Introduce him to other ways to borrow money

Some people are faced with a friend borrowing money, either directly refuse, or hesitate in their hearts, you can try to help a friend to make a move, find a way, especially a large amount of debt, you can introduce him to a mortgage.

The interest rate is not high, and the amount of money you can borrow is also large.

If it is a small amount of money, you will introduce a credit card, the credit card can be paid in installments, and a little bit will be repaid every month, and before you know it, it will be repaid in a year or two, saving you from borrowing money from me and always feeling like you owe me. Although it is difficult to say, it can avoid the embarrassing ending of becoming an enemy in the future because of the failure to collect debts.

Of course, if you really don't want to borrow, there is a trick to tell your friend that you still owe money to others, and your friend will know that not only do you have no money left, but you also need to borrow money from others, then you will be even more embarrassed to mention borrowing money to you, and even feel ashamed.

c. Explain direct funding in person

I'm afraid of hurting my feelings. Quite simply, direct funding with no requirement for repayment. Some money has been lent out, and it really doesn't matter if you can get it back. Qian Zhongshu.

It is mentioned in the anecdote of borrowing money that Mr. Qian never lends money to others, and whenever someone borrows money, he will give it at a discount.

Actually, it's a kind of wisdom and cleverness. When you encounter a friend who borrows money, you can also make it clear to him in person that it is given and there is no need to pay it back. For example, the other party does have an urgent need to borrow 20,000 yuan, and his character ability is also very recognized, so he can emphasize his difficulties and subsidize 1,000 yuan.

In this way, everyone will still be friends when they meet in the future, and no one will be ugly.

This is a tricky question, and you need to decide whether to borrow money on a case-by-case basis. Here are some factors to consider to help you decide:

1.The other party's ability to repay: First, you need to consider the other party's ability to repay.

If the other person has a stable job, has a regular income**, and has a good track record of previous repayments, then you can consider lending to the other person. However, if the other party often borrows money and doesn't pay it back, or doesn't have a stable income**, you need to think carefully.

2.Borrowing amount: You also need to consider the amount borrowed.

If the amount borrowed is small and your financial situation allows, then lending to the other party is also an option. However, if the amount borrowed is large, you need to think more carefully, as this may adversely affect your financial situation.

3.Relationship: Your relationship with the other person also needs to be considered. If you are good friends or close relatives, then the possibility of borrowing money is even greater. However, if you don't have a very close relationship with the other person, you need to think more carefully.

4.Your financial situation: Finally, you also need to consider your own financial situation.

If your financial situation allows, and you are willing to help the other person, then you can consider lending to the other person. However, if your financial situation does not allow it, or if you have some urgent expenses to deal with, then you will need to refuse the request.

To sum up, borrowing money or not borrowing money needs to be decided on a case-by-case basis. Whatever decision you make, you need to think rationally and don't let your emotions cloud your judgment. At the same time, before borrowing, be sure to negotiate with the other party on the repayment period and method, and sign a written agreement to avoid unnecessary disputes.

1.Be upfront with each other: Try to tell them directly that you can't lend them money right now, not because you don't want to help them, but because of your own financial situation. Honesty is the best way to do this, as it avoids unnecessary misunderstandings and conflicts.

2.Show gratitude: Express your trust and gratitude to the other person, but make it clear that you can't lend them money.

You can say, "I appreciate you making this request to me, but I can't lend you money right now." Doing so can make the other person feel that you respect their request, but it doesn't make them feel denied.

3.Use euphemistic language: You can use euphemism to decline someone else's request for a loan, such as "I'm sorry, I can't lend you cash." Or, "I'm so sorry, I can't help you right now."

4.Help: While you don't know that you can lend them money, you can provide other help, such as job opportunities, advice, resources, or other support with them.

Finally, no matter how much you reject someone, it's essential to pay attention to relationships. You can try to be tactful, honest, and grateful when refusing, while maintaining a friendly and respectful attitude.

1 Tell a friend that you still owe money to others, this trick is the best, friends borrow money from you, thinking that you will have a surplus to borrow from you, and when the other party knows that you not only do not have any money left, but also need to borrow money from others, then it will be even more embarrassing to talk to you about borrowing money, and even feel very ashamed.

2 When it is difficult to refuse head-on, it is necessary to adopt a roundabout tactic, whether it is to change the subject, or for other reasons, mainly to use the subtle turn of tone—gentle and persistent—that will never agree, but will not tear the face. For example, offer sympathy or praise to the other person, and then give reasons for rejection. Because the other party has psychologically shortened the distance between the two because of your sympathy, they are more able to accept your rejection with a "relatable" attitude.

3 Ask for help from others, first stabilize the borrower, then use the excuse to go to the toilet, hide in the bathroom and call for help. You can ask your friends to call you, falsely claim that there is an urgent matter to ask you out, and ruin the old man and take the opportunity to slip away. Remember to take the borrower out of the house and don't let him wait at your house.

So as not to waste your efforts.

4 Before you borrow money, you should examine the trust of the borrower, and once you lend money to someone, you must trust him. Sometimes he can't decide when he can afford to pay you back, so don't keep urging him to pay back, which is more likely to hurt feelings. Liquid hunger knew that in this case, you might as well not lend it to the other party in the first place.