In this fast-paced society, each of us is faced with financial constraints to a greater or lesser extent, and sometimes we have to ask others for help. However, borrowing money is a sensitive and complex topic. Maybe some honest people will return the money on time after borrowing it, but there are still some people who are kind and low-key when borrowing money, but when they repay the money, they repeatedly delay, and even bite you back, saying that you are stingy, so now more and more people are not willing to lend money casually. But when relatives and friends ask to borrow money, many friends don't know how to refuse, and directly saying that you don't borrow may make people think that you are not close to people, thus destroying the relationship between each other. Today, I will share with you a few words of refusal to borrow money, so that it will neither lend money nor damage the relationship between the two parties, let's find out together!
One: Ask others why they are borrowing money.
Since someone else will open their mouth to borrow money from you, it means that your relationship is relatively good, at least he thinks so, if we don't want to borrow and just refuse, it is a bit impersonal. At this time, we can first ask the other party why they borrowed money. If the other party borrows money, they just want to improve their quality of life, such as traveling, buying a bag, buying a mobile phone, etc.; There are even some people who borrow money to gamble, so at this time, we should not lend the money at will, otherwise there may be no return. But the other party did encounter some urgent matters and urgently needed capital turnover. And this person is familiar and trustworthy, then at this time, we should reach out appropriately. As the saying goes, borrowing urgency is not borrowing poverty, and reaching out to others when they are in danger is also equivalent to sending charcoal in the snow, and people who know how to be grateful will definitely help when you need help.
Two: said that he had no money.
If someone asks you to borrow money, but you don't want to borrow it, if you directly refuse, it will lead to embarrassment and even damage the relationship. Then at this time, we can appropriately cry poor, indicating that we have no money. For example, we can say that we have just lent our money to our brother-in-law, cousin, etc., and we have no money to borrow. It's so unfortunate that if I had known that you would have borrowed money too, I wouldn't have lent it all; Or we can also say that we are under a lot of pressure, although the salary is okay, but there are various expenses such as housing loans, car loans, and children's education funds, etc., and there is no balance at all throughout the year. We can even say that we have encountered something recently, and we also need money, and we are just about to say that we are looking for you to borrow some, but we haven't had time to speak. When others hear our reasons, they will understand and will not continue to ask you to borrow money.
Three: transfer method.
In addition to saying that we don't have any money, we can also use the transfer method to discourage others from borrowing money. We can say that the other half of our salary is in custody, and we don't care about the expenses of the family, and we only take some pocket money to buy cigarettes every month, and there is no extra money to borrow. If you want to borrow money, you need to discuss it with your partner. Many times, when someone hears our answer, they will discourage the idea of borrowing money, after all, they will not ask your partner to borrow money.
Four: It means that the money can't be moved.
When they have extra money in hand, many friends will choose to keep the money in the bank on a regular basis, or buy some funds and wealth management. After all, we all want our money to be safe and profitable. However, whether it is a fixed term, a fund or a wealth management, it has a certain period, otherwise it will lead to a loss of interest. In particular, some wealth management fund products have a long cycle, and there will be situations where they cannot be withdrawn in advance, otherwise it will cause damage to the principal. Therefore, when we encounter a situation where we do not want to lend money to others, we can say that our money is in the bank and there is no money to borrow. If today's article is helpful to you, then click a follow, a like, and thank you for your support.