When people reach middle age, hey, this is really a "wonderful" stage. Life is like a pot of old fire soup stewed just right, with all kinds of flavors, sweet, sour, bitter, spicy, all in it. Especially the "plot" about borrowing money, which is even more exciting than the TV series. But don't worry, as long as you can say these few words, you can be guaranteed to not lose face in this "borrowing war", but also protect your little coffers!
The first sentence: "Dude, can you tell me why you need this money?" ”
Borrowing money is no joke. If the other party says that they want to invest, ** or do something high-risk, then you have to think twice. After all, lending money to someone else to take risks is no different than throwing money into the sea. Of course, if the other party has an urgent matter at home, such as seeing a doctor, going to school, etc., then you have to take care of it differently. However, even if this is the case, you have to make it clear to the other party: "I have to look at my own situation when it comes to borrowing money, and I have to discuss it with someone in my family." "After all, borrowing money is also a high-risk activity, and you have to be responsible for your money.
The second sentence: "It's okay to borrow money, but you have to at least write me an IOU, right?" ”
Some people may find it too emotionally hurtful to write an IOU. But think about it, if the other party doesn't even want to write an IOU, then do you dare to lend him money? This kind of person who does not even have basic integrity is also greatly more likely to borrow money and not pay it back. Therefore, writing an IOU is not only to protect your rights and interests, but also to remind the other party to repay the money on time. If the other party is not happy because of this, then you have to think carefully about whether the money is really worth lending.
The third sentence: "I have to discuss the matter of borrowing money with my 'finance minister'." ”
The good thing about this is that you leave the decision in the hands of another person in the family. That way, even if you decide not to borrow money in the end, the other party won't blame you too much because they know that it's not up to you to decide. Moreover, it also gives you a buffer time to think about whether the loan request is reasonable. After all, the family's money is not yours alone, you have to discuss it with your family.
The fourth sentence: "Oh, you're really looking for the right person, I'm just a 'poor bastard'!" ”
As soon as this sentence is said, the other party may be stunned and think, "Is this guy joking?" But don't worry, and then go on: "Look, I haven't paid my salary this month, the credit card bill has come first, and there is a 'gold swallowing beast' waiting for me at home!" In this way, the other party will understand that you don't want to help, but you really can't help. Moreover, you also "laughed at yourself" by the way, making the other party feel that you are a very "down-to-earth" person, and you are embarrassed to continue to borrow money from you.
Sentence 5: "Actually, I have a better idea......”
If the other party really needs money urgently, but there is no suitable way to borrow money, then you can give him an idea. For example, tell him that he can apply for some formal loan products, or find some reliable fundraising platforms. In this way, you can solve the other person's urgent needs without putting your money at risk. If the other party wants to invest, these commercial fundraising channels are the most suitable for them, and it is not only unreasonable to borrow money with favors, but even a bit shameless, which means using other people's money, letting others take risks, and making profits for themselves. As for short-term emergencies, commercial loans are also more suitable, but they are not expensive. If the other party just wants to use your money to empty the white wolf, then there is no need for this kind of person to care about face.
In short, when people reach middle age, they have to think twice about borrowing money. Don't just lend money out of your mind and end up making yourself a different person inside and out. Learn to say these few words, you can protect your own interests without offending others, why not? So, the next time someone borrows money from you, you might as well try these few words!