My colleague asked how to refuse to borrow money? My colleague asked me why I was embarrassed to ref

Start first and ask someone to borrow money!

When you meet colleagues and friends who reach out to borrow money from you, do the following three things first:

First, ask why you are borrowing.

First of all, when a colleague asks you to borrow money, we should first ask why we are borrowing money. Everyone knows that borrowing money is not urgent, if the reason given to you by your colleague is indeed acceptable to you, then lend it to your colleague within your own affordability. If you can't accept the reason, then don't borrow it, otherwise you will only regret it.

Xiao Li once had a colleague who asked him to borrow money to buy a house, but after asking his colleague why, Xiao Li directly refused. Xiao Li, this person is very principled. It's okay to borrow money, but it will never lend you money to buy a house or a car, which is actually an investment.

You lent him the money, and if you end up earning it, it has nothing to do with you, and he won't pay you back. But if he loses it later, then it's your money. It is very likely that morality will kidnap the spring stupid eggplant and not pay you back.

Therefore, when borrowing money, you must know the reason for borrowing money, and then consider whether to borrow money after clarifying the reason. Don't be too casual and lend money to people for any reason.

Second, if it is not suitable, politely refuse.

As we all know, directly refusing to borrow money from others hurts the feelings between both parties, so how to refuse is actually a science.

You can only politely refuse to make people not disgusted, and can understand your distress. Then your relationship will not turn against each other because of this.

Borrow him because of affection, not because of duty. Don't borrow it because he kidnaps you morally, even if it's inappropriate. You can tactfully tell him that you don't have that much money to turn around right now.

Therefore you cannot lend it to him. If he is angry that you didn't lend him money, then such a friend is actually not worth making, and if you lose it, you should lose it.

Third, don't slap a swollen face and become fat.

In fact, because many people want to maintain the relationship between colleagues, even if they have no money, they will slap their swollen faces and become fat and lend money to others. This is actually very stupid, it will only make people think that you are a bully, and similarly, others will not treat you with sincerity.

Save your own money every day, while others take the money you borrow and splurge it. In the end, in exchange for others, they will only think that you are a bully and intensify their efforts to pick up and borrow money from you and not pay it back. Don't lend money to others if you have money, let alone if you don't have it.

As we all know, borrowing money from colleagues is an embarrassing problem. If it says "no", it can make the situation even more awkward. If it's "good", it's likely to take a toll on your personal finances.

So, what should you do if a colleague borrows money from you? Here are some possible solutions to such situations.

1.Honestly count colleagues early. You can be honest with a colleague that you can't borrow money for reasons such as you are strapped for money, you have other expenses or you don't want to get involved in money issues in the workplace.

Tell a colleague that you don't want to be embarrassed or disruptive because of money issues.

2.Give yourself time to think about it. If you're not sure whether or not to lend money to a colleague, tell them you need some time to think. In this way, you can carefully consider whether you have enough funds to lend them and feel at ease with your decision.

3.Provide other forms of assistance. If you don't want to lend money to a colleague, you can offer other forms of help, such as adjusting their working hours, providing support in other ways, and so on.

4.Instruct him and her on other avenues of seeking help. If you don't want or can't provide funding, what you can do is introduce them to other avenues.

For example, educate them to seek assistance from family members, relatives, or friends, or to seek help from professional agencies that help with financial problems, etc.

It is important to note that in any case, you should always be polite and respectful of your colleagues' feelings. Colleagues may need to borrow money for a variety of reasons, so your response also needs to provide some rational and kind references. Most importantly, no matter what you ultimately decide, you need to let them know that your decision is based on respect and care for them.

This will allow for any awkward situations and unnecessary situations.

Borrowing money from colleagues is a tricky problem because it involves a balance between money and favors. If you don't celebrate hunger, it may hurt the feelings of your colleagues and affect your work relationship. If you borrow, you may face the risk of being difficult to recover your money or even being scammed. Therefore, you need to carefully consider whether to lend money to a colleague on a case-by-case basis.

In general, you can consider the following aspects:

The character and credibility of colleagues. You need to understand the personality and living conditions of your colleague, see if he has the sincerity and ability to repay the money, whether he has bad habits or the habit of spending money indiscriminately, and whether he has a record of not paying back or cheating money. If a colleague's character and reputation are not good, you'd better not lend him money.

The amount of money borrowed and the purpose for which it is to be used. You need to ask your colleague about the exact amount of money you borrowed and what you want it for, to see if he has real difficulties or reasonable needs. If the amount of money you are borrowing from a colleague is too large or the purpose is unknown, you are better off not lending him money.

The term and interest of the borrowed money. You need to clarify with your colleague the term and interest of the loan to see if he has a plan and guarantee for repayment. If a colleague borrows money for too long or at too low interest, you're better off not lending him money.

IOUs and guarantees. You will need to sign an IOU or other written agreement with your colleague to see if he has evidence and constraints to repay the money. If a colleague refuses to sign an IOU or a guarantee for a sock, you'd better not lend him money.

In short, colleagues should think carefully about borrowing money and try to avoid or refuse it. If it is necessary to borrow, it is also necessary to do a good job in risk control and legal protection. In this matter, you should put your own interests first and not give too much consideration to the feelings of your colleagues.

When a colleague borrows money, you can find a good reason, saying that the money wife is in charge of the money and can't be the master.

It's best to ask why you're borrowing.

I didn't do a good job in this matter, and I didn't delve into the reason why the other party borrowed money.

If you encounter a colleague asking you to borrow money in the workplace, it is better to ask the reason as much as possible, so that you can choose to borrow or not to borrow depending on the situation.

If it is urgent. For example, a family member is sick and needs urgent treatment, but the funds on hand are insufficient, as a colleague, Lu Randu took out some money as much as he could, and did his best to do his best to make the friendship of colleagues, which not only fulfilled the fate between colleagues, but also helped each other and solved each other's difficulties.

In the case of the acquisition of assets.

For example, buying a house, buying a car, etc., if the other party takes the initiative to speak and treat each other with sincerity, and he still has the strength to spare, there is no need to check it early.

If he uses it. For example, investment, re-lending, etc., can be directly declined. This kind of reason to borrow money is not necessary, but it is necessary to open your mouth, which is quite speechless.

In fact, we are not investors, and we do not expect to lend out much interest wealth, we ordinary people, average income, but also take care of family expenses, if there is surplus money, just want to seek stability, or hope to improve the quality of life of the family, rather than take the initiative to borrow, forced to bear the risk that may not be recovered.

So to borrow or not to borrow?

When a colleague borrows money, whether or not to lend it to each other, I think there are at least three things to figure out.

First, the reason for the other party's borrowing.

It may be like the one I mentioned above, but it may be more than that.

You can judge how likely it is to repay the borrowed money by whether the reason given by the other party is urgent, whether the attitude is sincere, and whether it is made up.

Second, whether one's own strength allows.

If the other party can afford to borrow the amount, the money will not affect the daily life of himself and his family.

The worst plan is that if the other party can't pay it back, or can't return it on time, whether the life of yourself and your family will be affected, and even, once you have an emergency money, can you raise enough funds to solve the urgent need, otherwise, don't borrow it.

Relationships with colleagues need to be maintained, but the normal life of the family is more important than that.

Third, whether the relationship is worth it.

Weigh your relationship with your co-workers and see if it's worth the risk.