As people reach middle age, the complexity of life and social interaction becomes more and more prominent, and financial issues are particularly sensitive.
In the face of loan requests from relatives and friends, how to maintain the harmony of interpersonal relationships while maintaining the boundaries of personal and family economic security is a delicate art of life.
When you reach middle age, no matter who borrows money from you, you will win by answering these 3 sentences, and you will not offend people!
First sentence: Ask the other party why they are borrowing money.
On the surface, this sentence is an understanding and respect for the borrower's demands, but in fact it is a rational assessment of potential risks.
The aim is to understand the needs and circumstances of the other party in order to make a better decision.
For example, if your friend Xiao Li suddenly asks you for a loan, you can gently but firmly ask, "Xiao Li, can you tell me the specific reason why you need this money?" ”
By understanding the purpose of the borrowing, you can determine whether it is an emergency, whether it is reasonable, and how likely it is to repay.
If it's a legitimate and necessary situation, such as for emergency medical care or investment in education, perhaps we can consider helping.
However, if it is used for high-risk investments or bad habits, it should be treated with caution.
The second sentence: Indicate that you have been short of money recently.
This sentence is a tactful way of refusing to make the other person understand your situation.
For example, if a colleague borrows money from you, you can say, "I understand your difficulties, but I've been struggling with some expenses lately, and I'm nervous about cash. ”
This kind of answer shows that you don't want to help the other person, but that you are also under financial pressure.
This will alleviate the other party's dissatisfaction and misunderstandings, while also giving you a reason to refuse to borrow.
The third sentence means that the financial power is not under one's own control.
This sentence shifts the responsibility to someone else and avoids the embarrassment of rejecting the other person outright.
For example, if a relative borrows money from you, you can say, "I want to help you too, but my lover has the most financial power in the family, and I need to discuss it with him." ”
This kind of answer lets the other person know that you are not the only one who makes the decision and that you need to consider the opinions of others.
It also gives you time and space to discuss with your family or find other solutions.
In the face of loan requests from relatives and friends, middle-aged people use these three sentences to respond, in fact, they are practicing a mature, rational and reasonable wisdom of life.
Through the use of these three sentences, we can try not to offend others while protecting our own interests.
It can not only effectively safeguard its own economic interests, but also retain and respect each other's emotional ties to the greatest extent, and achieve a win-win situation in interpersonal communication.
In the process, we have learned to deal with the trials of money in life with a more mature and responsible attitude, and it has also made our middle-aged life more calm and deep.
When faced with a request to borrow money, honesty and tactfulness are key.
Asking why will give you a better judgment, expressing your difficulties can avoid misunderstandings, and mentioning family finances gives you more time to think.
At the same time, we need to be flexible with these methods according to the specific situation, after all, everyone's situation and relationship is different.
The most important thing is to stick to your principles and bottom line, and don't put yourself in trouble for fear of offending people.
Hopefully, these tips will help middle-aged people become more comfortable with borrowing money and maintain their relationships and financial stability.