In real life, we often encounter situations where relatives and friends borrow money from us. While we help them, we also need to carefully consider our own financial situation.
Borrowing money can get you into trouble. In some cases, borrowing money may be difficult to repay due to not being clearly stated beforehand, and you may only end up incurring losses.
In the face of people who owe you money, remember these three sentences: this will help you to be more cautious in handling your finances, thus protecting your interests and not harming others.
01: Know how to refuse.
Saying "no" is not only bad, but sometimes necessary, especially when things aren't going well.
Refusing to borrow money doesn't mean you don't care or won't help others, just because you have your own difficulties and needs. Therefore, first of all, we must recognize our true nature, and do not blindly agree with it because of appearance or harmony in interpersonal relationships.
A proper rejection will not only protect your finances, but also avoid conflicts and conflicts that may arise later on.
But rejecting others is also a skill. You can use euphemisms to express your difficulties and real-life situations to let others know that you can't do what you want, but that doesn't mean you don't want to help.
This allows you to express your position clearly without unduly hurting the other person's face or feelings. When refusing, you should be sincere in tone and behave in a friendly manner so that the borrower can understand your difficulties and be more receptive to your decision.
02: Clarify the repayment method.
If you agree to lend to someone else, you must first be clear about how you will repay it. Make sure the borrower understands details such as repayment terms, installments, or lump sum payments, in writing or otherwise.
In this way, you not only give the borrower a clear repayment goal, but also avoid unnecessary misunderstandings and stress later on.
If you have any ideas about loan interest, don't be shy to say it. Be clear when borrowing money. It's not your obligation to lend money to others. You could have made a profit with the money, but you shouldn't have to bear the loss.
03: Proactively provide other support methods.
If you don't want to lend money to your partner and are worried that it will affect your relationship, you can provide other supports, such as providing valid information.
Money is not the only way to solve all problems. Some problems cannot be solved with money alone. Understanding the other person's real difficulties and helping to the best of your ability is also a way to show kindness.
Whether or not your help in other areas ends up helping him, it releases your kindness to the other person, and even if you can't provide direct financial support, you can still help him and let the other person know that you want to help him. Do your part for them. .Make him feel warm.
When faced with borrowing money, don't compromise blindly. Even if you can afford it, it should be carefully considered on a case-by-case basis.
We are not obligated to help others. We all have our own lives and responsibilities, so our own interests and the stability of our lives must come first.
Remember, rejection doesn't mean selfishness. A reasonable refusal allows you to protect your rights and maintain a harmonious relationship.
Don't be held back by the so-called face. It's better to make it clear beforehand than to have an argument afterwards. Sometimes you care a lot about how you look, and others just want to take advantage of you.
Talking openly about money is the highest form of respect for adults. Only by learning these three sentences can you properly handle your relationships with your family and friends, as well as your own interests, and protect yourself while helping others.