We often feel embarrassed by the requests for money that come up from time to time in our lives. On the one hand, we want to be able to maintain good relationships with people, and on the other hand, we don't want to compromise our wallets. In this article, we'll take a look at how to politely decline someone's request to borrow money while maintaining a good interpersonal relationship. 
We need to understand that no matter what we decide, we should be honest with each other and respect each other's feelings. Therefore, when refusing to borrow money, we need to express it in a way that is both polite and does not hurt the other person's self-esteem. This is actually a kind of art, which needs to be figured out by our hearts. 
When someone asks you to borrow money, you can start by asking them what difficulties they are experiencing. Not only does this show that you care and empathize with them, but it also gives you a better understanding of what they are actually doing. For example, you can say, "What's wrong with you?" Are there any difficulties? This way of expressing yourself can make the other person feel understood and accepted, which reduces the awkwardness of refusing to borrow money. 
Then, you can express that you don't have enough money to do so, so you can avoid a direct rejection and get the other person to understand your dilemma. For example, you could say, "I've also been under some financial pressure lately, and I'm tight on cash. This is a way to let the other person know that it's not that you don't want to help, but that you have your own problems. 
You can indicate that you need to discuss it with your family. This will both give yourself some time to think about it and give you a reasonable reason to refuse. For example, you could say, "I need to talk to my family about how we can help." This sentence both expresses your willingness to help and subtly leaves a way back for yourself. 
Of course, we also need to pay attention to the following points when dealing with such sensitive issues:
1.Don't over-explain. Explaining too much will only make the other person feel that you are making excuses, which may trigger the other person's disgust.
2.Don't make false promises. If you know you can't lend money to the other person, don't give them any expectations. Otherwise, it could cause more damage to your relationship when they find out that you haven't kept your promises.
3.Stay calm and sane. When dealing with this kind of problem, we are easily influenced by the other person's emotions and make impulsive decisions. Therefore, we need to be calm and rational at all times in order to make the most appropriate decision. 
In the face of a request to borrow money, we can take the above "three sentences of rejection". At the same time, we also need to remain calm and sensible, not to make false promises, and not to over-explain. In this way, we can protect our own interests while maintaining good interpersonal relationships.