01
There's a saying: "If you want to ruin a relationship, you talk to him about money." ”
Around us, there are always some people who talk about money discoloration. Whether it's to lend money to someone else or to borrow money from someone else, it's a difficult thing to do.
The most infuriating thing is those who borrow money and don't pay it back. A grain of rat, destroy a pot of porridge, in a group, as long as there is an old lai, then all people will cover their money bags and no longer help each other.
In fact, for those who are heavily indebted, "borrowing money and repaying money" has become an unavoidable thing, and it is necessary to strive to master the wisdom of borrowing money and understand that character is more valuable than money.
02
First, take the initiative to take responsibility and strive for the tolerance of others.
The rich man Li Ka-shing once said: "Credibility cannot be measured by money, it is a magic weapon for survival and development." ”
As a person who lends money to others, when the other party is in debt, he will first think - "My money, is it floating in the water?" You have to hurry up and get back. ”
Judging from the state of the economy, most of the debt collectors are not particularly poor, they are just worried that the money will not be returned. After all, putting money in your own bag is the most down-to-earth.
As a person who is heavily indebted, you should think from the perspective of the other party. Reassure the other party, things will be easier.
Businessman Feng Lun once said that a friend of his, when he had just graduated from college, confidently entered the business circle. After several ups and downs, the borrowed money was lost. As a result, Feng Lun became a creditor.
When the business could not continue, the friend took the initiative to take Feng Lun around, explained all his property and family status clearly, and also showed his attitude of repaying debts.
My friend said, "In my lifetime, as long as I live, I will admit it." ”
Since then, Feng Lun not only did not collect debts, but took the initiative to reduce interest.
People interact with each other, and if they want others to be magnanimous, they must take the initiative to confess themselves.
Giving yourself a label of integrity is much better than hiding from debt everywhere. By winning the extension of the debt repayment period, you can have a chance to breathe, and you will have less pressure to make money in the future.
03
Second, leave the truth and get the support of the nobles.
When a person is very poor, it is difficult to borrow money, but if you think about it, not all people will refuse to lend you money.
For example, the literary scholar Hu Shi is a person who is willing to give generously. His friend Chen Yinke, suffering from an eye disease, went everywhere to seek medical treatment. When Chen Yinke passed through the United States, Hu Shi was in New York. In the midst of his busy schedule, Hu Shi arranged for the people around him to send a sum of money to Chen Yinke.
The way is to see the truth in the midst of afflictions. As long as your character is not very bad, there will be some good people around you who are willing to send charcoal in the snow.
When your friends can't be trusted, at least your parents and siblings will help you. The love of blood is an emotion that cannot be separated. As the ancients said: "Although brothers have small grievances, they do not abolish their relatives." "What do you get in the face of great calamities in your usual grievances?"
Be a person, do not "sharp", take the initiative to be soft, and sincerely accept help.
04
Third, we must have foresight and make plans for long-term development.
We often say, "Rich and powerful, poor and short-minded." ”
A person's financial situation affects his pattern. People who don't have money are afraid to do anything, and they are afraid of failure at the beginning.
Zeng Guofan once said: "Those who seek great things are the first to pay attention to the pattern." ”
Based on the present, plan for the future, your steps will not be messy. No matter how long the road is, step by step, it will come to the end; if you hesitate, even if there is gold at the intersection ahead, you will not be able to pick it up.
In Lishui, Zhejiang, there is an old grandmother named Chen Jinying, when she was in her fifties, she retired and could have lived a relaxed life of dancing and looking at the scenery, but she chose to start a business. After years of hard work, I have gained a firm foothold in the apparel industry and made a lot of money. But when it came time to expand the factory, it was at risk and owed tens of millions of dollars in debt.
How do I pay it back? Someone advised her that it would be good to file for bankruptcy, at least to reduce a lot of debt. But she disagreed,
Chen Jinying said: "No matter what, I will not lose faith. As a person, the back can be hunched, but the waist cannot be bent! ”
After selling the family's property, selling the clothes in stock, insisting on saving money and using it, etc., she was relieved. Then she started the business again. Now, she has become the "honest grandmother" in everyone's eyes.
Behind the integrity is the pattern of one person. If a person who is heavily indebted cannot afford to sit on the ground, then his character will not be reflected no matter how good his character is.
If you borrow someone else's real money and silver, you can't give someone a word back, but you still have to return real money and silver.
05
Fourth, adhere to kindness and be a person who gives others an "umbrella".
In the late Qing Dynasty, the businessman Hu Xueyan said: "When anyone has an umbrella on a rainy day, if you can help people cover a little rain, cover it a little." ”
No matter how poor a person is, as long as he is willing to help others, he can always do good deeds and accumulate virtue.
"Good people are good rewards", the good things you do, at some point, will come back to you. Moreover, your kindness can touch many people, including creditors.
Poor and rich, there are difficulties. Many times, the poor also have the opportunity to help the rich, so as to establish a "feeling card" and get the rich to feed back.
The celebrity Zeng Guofan, in the eyes of outsiders, as a minister of the Qing Dynasty, he should not be short of money. However, the "Book of Zeng Guofan" records his experience of borrowing money: so he moved to the ropesmith hutong, the rent was ten thousand yuan per month, and it took more than ten thousand to clean up... Qu Yan still needs to borrow silver out of Beijing, I don't know if I believe it?
Those who were willing to lend money to Zeng Guofan were not stupid, but took the opportunity to make friends with him. It doesn't cost much, but the return can be doubled.
Be human, don't make the world seem too indifferent, don't reject anyone's enthusiasm. Insisting on kindness is a good thing of "a million profits".
06
They all say, don't talk about money, talk about money hurts feelings. In fact, whether you can talk about money is conditional, don't refuse to "talk about money" in one mouth.
The ancients said: "There is no diamond diamond, don't do porcelain work." ”
At any time, improving your abilities comes first. You have value in yourself, and others are more willing to pull you along.
Plant the plane tree, and there will be a phoenix.
Leave a good character and be afraid of debt.
Author: Cloth coarse food.
Follow my words and go into your heart.
The illustrations in this article come from the Internet.