Recently, a friend who had not been in contact for many years suddenly sent me a message and borrowed money from me.
The friend said: "I heard that you have mixed well over the years, old classmate, there are some things that want to trouble you." ”
As soon as I listened, I got to come, there must be something.
Then I didn't reply to the message, waiting for his next step.
Sure enough, in the next sentence, he began to borrow money: "I recently bought a house in a hurry, the child is going to primary school immediately, planning to buy a house, can you borrow me 50,000 yuan first?" ”
This friend's next move was "knowing with affection, moving with reason", which I almost believed.
If it weren't for the fact that he had just bought a new car some time ago, I would have really considered whether to lend him money.
I was very impressed, but in the end I politely rejected him.
Adult interactions, talk about feelings can be, do not easily talk about money.
After all, lending money to someone else requires considering each other's credibility, character, and friendship between the two of you.
Borrowing money is friendship, not borrowing is duty.
Some people, it's not worth your loan to him at all.
-01
Don't lend money to whom?
First: poor character, unreliable people
I have a friend who is recognized in circles as "not credibility".
He opened his own shop, and the shop went out of business.
Do business, business loses.
Borrowed money from friends around me, this borrowed 1000, that borrowed 500, just wanted to do business, but never considered finding a job to stabilize.
Ask him why?
He said: I don't want to work in my life.
Borrow money, borrow money, at least should talk about credibility, right?
As a result, he was good, and the friends around him borrowed it over and over again, and the longest borrowed 500 yuan has been 4 years now, and he has not repaid it.
Some people narrow the road themselves.
Second: "Emergency rescue does not save the poor"
In some cases, it is possible to lend money to a friend.
For example, he does have an urgent matter at home or himself, and the friendship between you can be trusted.
At this time, it is entirely possible to consider lending him money.
After all, if a person lives a lifetime, he must have a few "trustworthy" friends.
What is a friend?
Isn't it you who help me and I help you with the relationship?
But some people, however, can never talk about money.
For example, I don't have a stable job, I don't have a stable income, and I live by nibbling on the old age.
Moreover, the level of consumption is not low.
At this time, they have no money to do it? You can only borrow from those around you.
If you lend money to such a person, then you are the "wronged boss".
A few years ago, a friend borrowed 2k from me, and now he has not returned it to me, and he deleted my friend.
Third: People who haven't been in touch for years and haven't met
Friends maintain relationships mainly by "coming and going".
If you don't come and go, it won't take long for the feelings to fade.
Take a look at your friends list, how many more friends are still close to you?
Some people, who have not talked for more than 3 months, have gradually become indifferent.
There is no reason, it is to fade from each other's lives and finally stop contacting.
Even if the two of you have a good relationship, but you have not contacted each other for a long time, the other party will borrow money from you, can you trust it?
Lending money to others is risky.
If you lend money to the two of you based solely on experience, on the unreliable friendship between the two of you, it is you who will suffer in the end.
-02
Lend money to others, what should I pay attention to?
First: Lend money to others, be sure to see if the other party is reliable
Again, some people can borrow, some people can't.
If you're going to lend money to someone, be sure to consider the criteria:
The feelings of the two of you, known each other for at least 3 years;
The purpose of the other party's borrowing money, you must be clear;
The other party's character credibility, to pass;
Agree with the other party on the date of repayment, it is best to leave an IOU.
Friends with good relationships should be more "one yard to one yard", which is the principle of getting along with friends.
I can invite you to dinner, even if it costs 1,000 yuan, but if you lend me 100 yuan, you should return it to me on time.
Second: If you are not in a hurry, do not easily lend money to others
Shakespeare said this:
"Lending money to others will make you lose money, and borrowing money from others will make you squander."
Therefore, no matter how good the relationship is, you should also strengthen your heart.
From our own point of view, don't lend money to others if it's not necessary.
Share a story of my own.
At a certain stage before, I encountered some difficulties, and I had no way to find a friend to borrow 200,000 yuan, planning to use it for half a year.
Moreover, I made an agreement with my friend: I will pay you back on time within half a year and give you 10,000 yuan of interest.
After all, there's no reason for the other person to lend you this money based on credibility alone, which is not a small amount for most people.
So, I gave him an IOU.
In the end, for more than 5 months, I even returned all the money and interest to him.
The friend did not want to go, leaving only half of the interest.
The most important thing in the relationship between people and people is to talk about principles.
What are principles?
Credibility, bottom line, kindness, say one thing and not two.
Today's Topic:
Will you lend money to someone else?
(Article with picture source network)