In life, we often encounter situations where others borrow money from us. And we often feel torn between such requests. After all, rejecting the other person without emotion can hurt the harmony and even destroy the original rapport;If we casually agree to borrow money, we will face the problem of not being able to recover the money for a long time, and it may also affect our own quality of life. However, by learning the following three excuses, you will be able to skillfully defuse this awkward situation and make yourself a winner.
When someone borrows money from you, try to ask them first what they're borrowing money for. Generally speaking, people who borrow money tend to have their own urgent needs, such as suddenUnforeseen events, a loved one's illness requires surgery**, or a heavy foreign debt, planning to borrow money to buy a house and a car, etc. As borrowers, they have probably been struggling with this for a long time and are also very desperate. In this case, you can get a deeper understanding of their situation by asking them what they are borrowing for. And, after the other person tells you why they are borrowing money, you can find a similar reason and explain your current situation so that the other person can understand your situation and automatically give up the idea of borrowing money from you. For example, if the person says they want to buy a house, you can say that you have been struggling to buy a car or renovate your house lately, or that you are saddled with a heavy mortgage and are very tight. As long as the other person is wise enough to put themselves in your predicament, they will no longer offer to ask you to borrow money. At the same time, whether or not you end up lending money to the other party, and how much you lend money, you should keep a low profile and avoid making the matter public, so as not to lose face.
Everyone has their own priorities when it comes to making important choices, and the immediate needs of family members often come first. For example, parents need moneyRetirement, children need money to go to school, or lover needs to be sick and need ** and so on. After making sure that we and our families are stable, we have the energy to think about whether we are willing to lend money to others, especially those with whom we have a good relationship, who walk the talk, and who are trustworthy. If the other person is really close to you, you can be honest and honest about your position, and they will be able to understand your decision. Because first of all, you have to make sure that your family lives a peaceful and happy life, otherwise it will be difficult to be at ease. However, if the other person is not very familiar with you, and you are not good at refusing directly, then you can use your family as a "block".WrigleySet up some barriers to borrowing money. For example, you can say that all the money you earn is managed by your partner (or husband and wife) and that there is no spare money;Or that your family insists on an IOU and you find it troublesome, but in order to avoid family strife, you have to go with their word. As a result, some people with ill-intentioned intentions who are interested in making money will automatically give up the idea of borrowing money when they are worried that they will get into big trouble. And those who don't need to borrow money urgently, who don't need to borrow from you, won't bother you.
Another way to do this is to set up a buffer for a period of time to get the other party to abandon the intention of borrowing money. You don't need to dwell on your family's difficulties and finances, but you can suggest that you can lend to the other person, but you just need time to sort out the current financial situation at hand. In this way, you will not hurt the other person's face, but also give yourself a certain amount of leeway. You can set a relatively long period of time, such as one month or two months. In this way, when the other party needs money urgently, they will not wait and give up borrowing money from you. At the same time, if the other party can be patient, and you are indeed willing to lend him money, then you can choose to borrow at the right time. However, when it comes to lending money to others, we must be mentally prepared that the money may not be recovered. If you are able to take such a risk, or are willing to contribute to the other person, then such a loan is also good. But if you feel that it is inappropriate, then you should follow the above three excuses and tactfully reject the other person. Don't worry, you won't lose a true friend or loved one because you can't lend money to someone.
Whether it's borrowing money from or being borrowed by someone else, it's something that needs to be handled with care. Especially when someone else borrows money from us, we tend to be torn between two sides. However, by learning the above three pretext techniques, we can handle such situations more skillfully and avoid getting ourselves into trouble.
First of all, before the other party borrows money, we can ask the other party what the other party is borrowing money for and find a similar reason to refuse. In this way, we can understand the other person's situation more deeply, and at the same time, we can also euphemistically express our current difficulties, so that the other party can understand and voluntarily give up the idea of borrowing money.
Secondly, we can use our family as a "block."WrigleySet up some barriers to borrowing money. Doing so not only protects the interests of ourselves and our families, but also screens out those who really have good intentions for us.
Finally, set up a buffer for a period of time to get the other party to give up on borrowing money. In this way, we can both save face on both sides and calmly consider whether or not we are willing to borrow.
In summary, dealing with borrowing and lending relationships is a oneArtWe need to be rational and cautious. By learning the above excuse skills, we are better able to protect our financial interests and maintain harmonyRelationships。Whether we borrow money or not, we should understand each other's difficulties and find solutions to problems together, based on honesty, respect and understanding.