Borrowing money is the most frequent scenario in life.
As small as a dozen yuan to bring a meal, to tens of thousands of IOUs for buying a house, hospitalization, and marriage.
And once it happens, it will always be accompanied by something unpleasant.
If the other party does not borrow, subconsciously feel that the person is "not interesting enough", which will affect the relationship between the two people in the future;
If the loan is not repaid, most people actually have no way, and even choose to swallow their anger and admit that they are unlucky in order to maintain the dignity of the relationship.
You see, whether you borrow or not, there will always be a party who is unhappy.
But in fact, the logic of this matter is not correct.
It is definitely no problem to borrow money, the problem is the person who borrows money and does not pay it back.
Why borrow money from others with good intentions, but be bullied for no reason but unable to speak up;
And those who borrow money and do not pay it back are at large and lawless.
Recently, I saw a post online.
A girl textbook level, rectify the old classmates who borrowed money and did not pay it back.
The whole process is comparable to "cool text", which is simply not too enjoyable.
Whether it is people who have encountered borrowing money and not paying it back, or who have never experienced this kind of thing, after reading it, they all shouted "a bad breath".
It seems that everyone has been suffering from such a rotten thing as "borrowing money and not paying it back" for a long time.
Why do we abhor the fact that "borrowing money and not paying it back"?
As the saying goes:
"Those who borrow money are grandchildren, and it is the uncle who pays back."
But the heroine of this incident is a Little Red Book blogger.
Sturdy taught us a lesson called:
"The one who borrows money is the uncle."
The cause was a male classmate who was hospitalized for surgery due to his mother's illness, and urgently needed a sum of money for the operation.
But the company's efficiency is too poor, the children are also in school, and there is not so much money in hand for the time being.
In desperation, he had to open his mouth to his old classmate.
After explaining his situation, he repeatedly promised that "when the end of the month turnaround, he will definitely pay back."
Out of trust in her classmates and the importance of life events, after the two parties agreed on the amount of the loan and the date of repayment, the girl happily lent the money.
Exactly 120,000.
The boy was grateful to Dade and said that he would invite the girl to dinner.
But everyone understands that this is just lip service, and no one really wants to eat this meal.
But it is enough to see that the boy has done enough on the surface.
However, at the end of the month, not to mention the verbally promised meal did not wait, the boy did not even appear.
Until the girl took the initiative to remind him:
"Have you turned around?"
The boy remembered that it was the end of the month.
However, it is impossible to pay back the money, the reason can be made up, and it can be summed up in one sentence:
"My mother doesn't have time for surgery, and she can't do it tomorrow during the day."
The girl waited until the next day with the idea of "believing in him again".
Still waiting left and right to see no reply, at this time, her impatient attitude has overflowed the screen.
A sentence "Now what?" It said the irritability in the girl's heart.
However, boys can still make up:
"People in the bank, money can't come out."
Outrageous.
Decagrams.
Further, he gave a second reason for the extension:
"You can't take it out regularly, and it will take months to take it out. Otherwise, the interest will be voided. ”
Can't take it out regularly, only say it now?
Wait, your family has money, and you still find someone else to borrow money?!
Isn't this a typical "treat others with leniency"?
When the girl heard this, she was instantly angry.
All due respect:
"Your family has a fixed deposit, you ask me to borrow money?
My money was taken out of stocks to save you, and the profit was much more than your 3.5%.
Are you pulling this off for me now?? ”
When the girl asked him, "Does it take months for the money to be repaid?" ”
He still did not say a definite date for repayment, but vowed to draw a pie, wanting the other party to continue to trust him.
However, once the "trust" thing is cracked, it will tear bigger and bigger until it breaks into pieces.
The only way to maintain the "trust" of others is:
From the beginning, we carefully protect the trust and delivery of others.
Obviously, now the "old classmates" have completely disbelieved the nonsense of boys.
In the next plot, the boy continues to perform.
But every word he said seemed to be handing bullets to girls.
He said:
"I'm the first person to be creditworthy, go up the knife mountain and sell the house in the sea of fire, and I will also return this money to you, old classmate, you must believe me."
As soon as the girl heard "selling the house", she immediately interfaced:
"It's just that I'm in the bank now, let's mortgage the house."
The boy probably did not expect that the old classmate would oppose the general, and hurriedly changed the excuse:
"The second uncle is in real estate, he will lend me money, I will transfer you later."
The girl pressed and asked:
"What time is it late?"
By this time, the girl had completely seen through his routine and did not give him any chance.
"You still have a rich uncle, you didn't ask him to borrow it, you asked me to borrow it."
It's too much.
Then, the girl gave an ultimatum:
"You have to pay it back today."
Having said that, the average thin-skinned person will find a way to pay back the money anyway.
However, people who want to borrow money and do not pay it back will not think this way.
He saw that the girl gave him a hard way, and immediately changed his thinking of "making up".
The main thing is: selling miserable.
First talk about your feelings, trying to make the girl empathize with herself.
Then say how hard it is for yourself.
"Taking care of my own mother didn't sleep all night."
Isn't that what should be done for children?
"In the morning, I have to send Dabao to the tutoring class, and I have to go back to prepare food for the children."
Isn't that what parents should do?
Wait, you're out of money, and you still have the money to send your child to tutoring classes?
Seizing this logical loophole, the girl immediately chased after the victory.
Finally, Lao Lai said a sentence:
"I really can't help it, I'll pay you back the money."
The meaning is: I understand the truth, but "paying back" is far away.
Saying is not saying.
The girl had to give an ultimatum:
In a nutshell:
The consequence of continuing to borrow money and not paying it back is that everyone knows and social death.
However, the boy has not yet realized the consequences of the matter and does not know what terrible consequences await him.
Continue the moral kidnapping of this old classmate.
"You're a reader, you're a graduate student."
But this girl didn't put on the set, grabbed the core, and completely invalidated his intentions:
"I'm not fastidious and immoral."
But apparently, none of this deterred the old man.
So, the subsequent development of things became like this:
The child's school + the unit where he works himself, I know.
The girl invited the child's homeroom teacher, along with the leaders of the boys' unit, and their old class leader, to his mother's hospital bed.
The head teacher said: Don't be a lai, other parents are watching.
The leader of the unit said: This is not a qualified Communist Party member, this is not right.
The old squad leader said: How did you become like this, quickly return the money to others.
However, after all this, this man still cried miserably.
The old lady also followed the acting, insisting that her son had no money, saying that he was bullied when he was old.
Is there really no money?
The girl printed out the chat records with her son and sent them to everyone one by one, seeing that the lies were exposed, and the old lady immediately covered her face with a quilt and pretended to be sick.
Sure enough, it is the tradition of the old Lai people:
Lots of play.
There is also a small episode in between:
His uncle was angry enough when he learned that their family clearly had a deposit, and asked himself to borrow 300,000 yuan!
It is really "borrowing money without discrimination and not paying it back".
It can be seen that it is true that the old lady is sick, and it is also true to take the opportunity to steal money.
Finally, under the girl's heavy pursuit and interception, the boy finally spit out the borrowed money.
Great joy!
Afterthought Girl Summary:
I was confident that I would get the money.
There are two reasons for this:
1. He settled in the city with his family, at least unable to run;
2. He has stable interpersonal relationships in the city.
Before borrowing money, the girl did the back adjustment.
She lent her money under the premise of "no matter what tricks the other party plays, I am confident that I will get the money".
This kind of predictability is the rarest.
If people are not really in pain, they will not awaken on their own.
If there really was no thunder means, this money would not be repaid.
It can be seen that people still have to have two brushes to avoid being bullied.
In reality, most people borrow money and do not pay it back, that is, they are sure that others will not take him.
If everyone knows that "if you don't pay back, the consequences are serious", then there will be many fewer people who dare to be old people.
Born as a human being, everyone will encounter difficulties in life.
There are times when you need help from friends and family to get through difficulties.
"You help me, I help call you".
This is the simple wisdom that we have survived for thousands of years.
However, there are those who follow the rules, and there are those who break the rules.
There are always people who try to break the inner "contract" and use the kindness of others as a reason for their own unscrupulousness.
Such a person, who consumes his credit in the crowd, is doomed to go far.
At some point, he will even shoot himself in the foot.
We need to both avoid being this kind of person and prevent dealing with such people.
The next time you meet someone who borrows money, try to do so.
1. Don't borrow money easily
In the adult world, talking about money hurts feelings.
Don't borrow money from people easily, and don't lend your own money easily.
Borrowing money from others, brushing your own credibility, testing your own character;
Lending money to others tests your own pattern and wisdom.
Once you borrow the wrong person, you will not only lose a friend, but also have an enemy.
Pay for one's whistle.
2. Reverse the borrower's character
Talking about money is a sensitive matter.
For the borrowed party, the loss of real money is real.
So before borrowing money, be sure to understand what kind of person the other party is.
Whether he already has a criminal record or has doubtful character, we must be cautious.
Don't just look at how low his posture is borrowing money now.
It depends on how big the score is when others ask him for help.
Understanding the real situation and character of the other party is the basis for all your actions.
3. Don't be cowardly
Another important reason why some people dare to borrow money and not pay it back is that:
Apart from moral condemnation, there is virtually no real loss.
Others can't hurt him, or even dare to provoke him.
In this situation, the weaker and more deceivable, the more unscrupulous the wicked become.
On the contrary, if you are tough and domineering, others will be obedient.
Resolutely asking for money and not giving in, those who borrow money will not dare to make a mistake.
4. When necessary, use legal means
If there is no way to grind hard foam, or even collect it, then you can only resort to legal means.
First of all, find out which court to go to, usually the place of habitual residence or domicile.
Second: Prepare a complaint containing identification information, the amount owed, facts and reasons.
Then there is the evidence in the proceedings, which generally includes:
Examples of borrowing evidence, such as: IOUs, IOUs, WeChat chat records, SMS chat records, telephone recordings, etc.
Examples of payment vouchers, such as transfer records, bank statements, receipts, witness statements, etc.
Next, you can go to the court to file a case and prepare for trial.
Here again, if the other party still does not give you all the money within the validity period after the judgment takes effect, you can apply to the court for enforcement.
Therefore, if you don't want to encounter the trouble of borrowing money and not paying it back, you should borrow money cautiously at the beginning.
Understanding the other party's behavior and style, and predicting the best and worst outcome of this matter, is the way smart people borrow money.
When you encounter difficulties, asking for help should be a normal thing.
But it is those who do not keep the agreement that takes the lead in destroying trust between people.
And when trust collapses in the crowd, the threshold for "borrowing money" is raised.
Those who owe money go unpunished; The person who borrowed the money was unable to complain; Those who can't borrow money have no way to turn to.
And for the borrower, when he owes a debt, when his personal credibility disappears from the crowd, the next time he faces a difficult situation, no one is willing to help.
Short-term gains, long-term helplessness.
Be sure to keep your credit.
This is something more valuable and precious than gold.
May everyone be in trouble, and someone will reach out;
May the kindness that everyone releases be treated properly.
来源：十点读书微信公众号（ID：duhaoshu）