College roommates always borrow money from themselves, how to politely refuse?

First of all, I think that if it is a minority, he really has difficulties with himself, every time he borrows it, he will return it on time, and the money is within your ability, it can be borrowed, because after all, it is not easy for the vast sea of people to get together, it is fate, there is no need to hurt the harmony for the money, provided that he must be worth it.

But if you borrow often, the amount is relatively large, and you are not repaid on time, the most basic trust is not there, and he borrows money not where it should be used, touching your bottom line, if the relationship is good, you can say it directly, there is no need to taboo anything, but if it is a very bland roommate relationship, then you must learn to be tactful, find the right wording, otherwise it will hurt the harmony, after all, you have to live together for four years, if the relationship is not good, the atmosphere of the dormitory will become very strange, affecting everyone's emotions, You can tell him about your own family situation, you really can't help him, there is nothing you can do, if he is a reasonable person, he will understand each other, if he remembers it in his heart, then there is no need to have a deep friendship with such a person.

College life is very rich, and you will meet a lot of excellent people, but we should know what kind of people are worthy of our deep friendship and learning, we should learn the skills of interacting with people, but the most important thing is, of course, to treat sincerely, borrowing money, this kind of thing, it is a very taboo thing, it is difficult to speak, even if it is a good friend, I hope you can consider it well, because sometimes she is not not repaid, may have forgotten, if you remind her, she will think you are stingy, then everything has been remembered, But don't remind that it's your own money again, anyway, it's not people inside and out, a lot of friendship will lose to reality because of money, I hope you can handle these things carefully, not too blunt, not too weak, learn to deal with it reasonably, it's okay to help within your own ability, but not blindly, I still hope that people are more sincere and less careful, I hope these can help you.

You tell him that you owe money to others too, and that you don't have much money left each month except to pay it back.

After all, the money of college students comes from the living expenses given by their parents on a regular basis, and they don't have any financial **, you can tell your roommates that you don't have any extra money, and it's just just enough to eat, just decline politely.

Just tell him that he really has no money, and if he still asks you to borrow money later, it can only mean that this person is not worth dating, just find a reason to do things perfunctorily.

I told my roommate that I don't make any money now, and I also take money from my family, so the money is a minority, and I have to save money, and I bought more things a few days ago, so it's not very abundant, and I'll help you when I have it.

At this time, you should pretend to be poor, and then miserably ask your roommate to repay your money, so that your roommate will not borrow money from you in the future.

To refuse to borrow money from others, there must be sufficient reasons and excuses, on the one hand, to make the other party retreat, and at the same time, not to provoke them to anger and affect the relationship. This requires a high level of emotional intelligence and methods to deal with, and the following are a few ways to elegantly refuse others to borrow money!

1. Excuse the method of borrowing money.

It is a way to shirk the economic power of the family that he does not control and let him turn to his wife to borrow money. Nowadays, the average family is headed by the wife, and the woman has the final say, so you can say this when a friend asks you to borrow money. When my friend heard you say this, although he didn't say it, he knew in his heart that you didn't want to lend him money, and it would be in vain to borrow money from your wife.

2. Delay in borrowing money.

It's just to delay borrowing money with words, and then it's gone. When a friend borrows money from you, if you feel embarrassed to say no, you can't find a suitable reason to refuse. You can tell him that I don't have any money right now.

When I sell this batch of goods, I will lend it to you when I have the money.

3. Reverse borrowing method.

It is the way in which you borrow money from your friend when you borrow money from him, not only do you not lend it to him, but borrow money from him. When my friend opened his mouth to borrow money from you, he said that I was trying to borrow money from you. Some time ago, I took out a loan to buy a house for my child, and now I am waiting to pay the down payment, and I am still short of 30,000 yuan.

Looks like you can't lend me money anymore.

Fourth, the method of instructing and borrowing money.

It is that he has no money to borrow, and he is instructed in the way to borrow money from others. When a friend borrows money from you and you don't want to lend him money, you can instruct him to borrow money from someone else. I'm also nervous and have no money right now.

I heard that Xiao Li in our unit made a lot of money by buying a ** some time ago, maybe he can have cash.

We all know that money is a very precious and sensitive thing, generally not to amuse relatives and friends who have a particularly good relationship, don't lend it easily, when borrowing money, it is easy to say anything, and when you want to pay back the money, there will be contradictions, not only affect the relationship but also lose money in vain, so either do not borrow, borrow and be fully prepared to come back.

Rejecting a classmate's request to borrow money can be done in a tactful way. First, you can express your understanding and sympathy by telling them that you can't borrow money often either. Then you can point out that friendship and trust between you should not be based on money, but on mutual support and understanding.

Finally, there are other ways you can help, such as helping them find other loans** or helping them with other problems.

For this situation, we need to be aware of the need to adopt a very cautious and decent attitude when rejecting a classmate's request to borrow money. If we use a brutal way of refusing, the other party may think that we are cold and unreliable. On the other hand, if we are too tactful and vague, the other party may continue to ask us for our loan request.

Therefore, we need to find a balance between rejecting requests and maintaining our dignity and friendship.

In addition to the above methods, we can also try other ways to decline a student's request to borrow money. For example, we can let them know about our financial situation or if we already have other spending plans. In this way, we can give them a reasonable explanation and avoid misunderstandings and unnecessary guesswork on the other side.

At the same time, we can also advise the other party to find other ways to borrow**, or seek other ways to help.

In general, declining a request to borrow money requires respect and care, as well as judgment and self-confidence. If we are able to use our ingenuity and humane management methods at this time, we can not only maintain our own dignity and friendship, but also help the other person to deal with their difficulties correctly. Therefore, in this case, we can reject the student's request to borrow money through the above methods.

Operational reform <>

First of all, you look at the intimacy of your relationship, if you are iron buddies, good sisters who study and sleep together in the dormitory, then you should do your best to help them within your ability. But the other party does not ask you how much to lend and how much, for example, the other party asks you to borrow 10,000, you give a discount, borrow him 5000, or 2000, anyway, it is not Ye Chan who refuses to be considered a polite refusal, but it can be said that his family is in urgent need of money recently, the child has to pay tuition fees for school, the new house needs to be renovated, etc.

If it's not a particularly iron-clad relationship, you can adopt the following strategy to refuse: First, ask in detail what you want to borrow money for? What are you going to do?

Anyway, if you keep asking in detail, repeatedly calling ** to verify, and saying "I thought WeChat contacted me was **", as long as you have enough patience to grind hard with him, the vast majority of people will not borrow again. More often, if you contact you to borrow money from WeChat or SMS, if you don't have a particularly close relationship, you can actually ignore any group, because there are too many fraudulent messages now. Asking for details is definitely effective for girls, but it may also lead to alienation from this classmate or friend in a certain sense.

Boys pay attention to the righteousness of their buddies, and many times it is the person who lends the money to try to be righteous for himself, and he always lends the money generously, and when he borrows it, he regrets it again, and then the goose is embarrassed to ask for it.

Secondly. If, in the case of your detailed questioning, you still insist on asking you to borrow money, the answer is that he has never seen such a thick-skinned person, and he has no dignity at all because a few hundred yuan can withstand detailed interrogation. If this situation really occurs, the only possibility is that you really encounter difficulties, the so-called emergency not to help the poor, you can help as much as possible.

At last. Be low-key. Don't show off in front of your classmates and friends everywhere when you make some money, let everyone around you know that you have money, now the rich in society don't look like rich people at all, take a train, wear one or two hundred ordinary clothes, really rich people have always been very low-key, only those who get rich will show off their wealth.

Let the classmates around you feel that you are not particularly rich, and your money is also earned by you, in this case, they will not easily ask you to borrow money, and if you really borrow, you will definitely repay it in time, unless the RP is super bad, such students can only curse silently and cut off the relationship.

In the face of other people's requests to borrow money, sometimes we have to refuse, but we can still express our positions and ideas in an elegant way to avoid conflict and hurt each other's feelings. In this case, there are several steps we can take:

1.Direct Request: When faced with a request for money from someone else, we should be direct to the other person's request, rather than being vague or roundabout in our response.

This will prevent the recipient from misunderstanding us, and it will also allow us to move on to the next step of the exchange more quickly. When a high school classmate asks you to borrow money, you can simply say, "I'm sorry, I can't afford to lend you at the moment."

2.Be polite and respectful: We need to be polite and respectful when someone asks to borrow money, regardless of whether we agree to their request or not.

We can respond with a slight smile and say some polite words to break the situation. For example, "Do you need this money in the near future?" Or, "How are you doing?"

Wait, these greetings can get us better into the next step of communication.

3.Express your position and ideas: When expressing our position, we should try to be as firm and sincere as possible to inform the other person that we cannot lend them money, and we must show understanding of their request.

We can say, "I'm sorry, I can't lend you money right now," or "I understand your plight, but I can't help you right now." "These statements can express our position, but they don't cause too much harm to the other side.

4.Provide objective reasons and suggestions: At the same time, we can also provide some objective reasons to the other party so that they can better understand our decision.

For example: "I'm in a difficult financial situation right now and I need to keep my money in case of an emergency" or "I've put all my money on other things". If the other party still needs money, we can provide some actionable suggestions to help them find other suitable ways to solve the problem.

For example, we can recommend some financial institutions or other financial resources, or provide some inspiration and advice on job hunting or making money.

5.Maintain good relationships: When we reject other people's requests, we also need to pay attention to some methods and do our best to maintain our relationship.

For example, we can make it clear that while we can't lend them money, we're still willing to provide them with other forms of help and support. Most importantly, no matter what decision we make, we need to be honest, sincere, and courteous with each other to avoid negatively impacting feelings and relationships.

The same steps apply when faced with a request for money from a high school classmate. We can give the other person enough respect and understanding, express our positions and ideas clearly and truthfully, and at the same time, we can also provide some valuable advice to avoid the other party getting into a bigger predicament because of this. Finally, we should end the conversation in a graceful and appropriate way, and try to maintain the relationship between ourselves and the other person as much as possible.

"We are friends, of course it is my duty to borrow money from me if you have difficulties, but you are always like this, we don't know the bottom of our hearts, or you give me time, so I have some points in my heart. ”

You don't have to make any excuses, because she won't believe even the truth. Tell her directly and frankly, you only have so much, and she doesn't have to pay back the money for a while. If she still treats you as a friend, she will understand you.

I've been saving up to buy a phone for my mom, or I'm short of money for other things.

Tell her your difficulties directly, if you don't believe it, show her your passbook, of course, if she still doesn't forgive, such an unreasonable friend ignores it, after all, between friends, you help her, she should also think about you!

Let's just say that it's all at hand, you have too many friends, and you have borrowed all of them.

You said that I have repaid my credit card in cash, but I haven't paid it off yet, and my credit limit has been used up, and I can't withdraw cash.