It is also very normal to encounter hardships in life, but if a friend borrows money from you, you don't want to borrow it, how can you politely refuse and not have feelings for each other?
The first point is that when someone asks you to borrow, you don't want to borrow, don't ask "How much to borrow?" After this is said, no matter how you want to politely refuse, there will be traces, because since you answered how much to borrow? Will the other party understand that you have not borrowed, and a person who borrows money does not care whether the other party has more or less? He was still receptive. That is, how much do you ask to borrow? And did not borrow is not to hurt feelings.
At this time, you can calm the other party, and then say: I'm sorry I just paid off the mortgage car loan, and now there is really no extra money in hand, and the next month's mortgage car loan will continue to pay. Don't worry, you are thinking of other ways to see, the method is always more than the difficulty, I believe you will think of a solution. Remember not to say that you put money in regular banks or regular wealth management products, and prevent a comeback.
Or you can also say that I don't really want to hide that I also owe a hundred and eighty thousand on my credit card, and I see that it is about to expire, and I have not thought of a way to do it now? Make you smile, or you are thinking of other ways or looking for other friends. Really not, you can say, in fact, I think I also encountered difficulties, but also trying to find a way to solve xxxx money, originally wanted to find your did not expect that you also encountered difficulties, at this time to borrow money from you will not be mentioning this matter, after blowing a few words should hang up the phone.
If you want to help your friend who encounters difficulties, then when he borrows money from you, you first cry to him poorly, saying that you also have difficulties, but in order to help him, you can find your own good friend to lend him some money first, and then after a while you are taking a little money to him, such as 10,000 You can say where you borrowed from your friend to borrow him first, anyway, the amount of money looked at yourself, if you regret not wanting to borrow you can say that I did not receive it from my friend, and you are really sorry to delay. But remember not to leave illusions on the other person if you don't want to borrow it.
The excuses mentioned above you can look at the editor, you can say to repay the loan, buy what expensive things and the like, car loan mortgage, insurance, or my wife/husband just took it to borrow girlfriends/brothers the day before yesterday, and so on.