Wise people must know these 6 ways to refuse the loan

1. The simplest is say 'no' to refuse

Sometimes say 'no' is the simplest and most effective way to do this, although it's not easy to say it outright unless it's a less familiar relationship or connection to your life. and follow my advice to those who are not very involved in your life or who often come to you to borrow money, be firm in saying no to these people, simply not, but for with your loved ones, those who help you or those who are meaningful to your life, please put this article aside, reach out to help them in times of need and share with them to overcome them together. through this difficulty. Money is important, but if you can help the people you love, it's even more important, very important.

2. Ask the question: when to repay?

One of the next effective methods is to ask the borrower when they will repay, after they reply immediately, express regret that you cannot help them because you will need the money in the future. At least, it seems a bit flippant but this is the right thing to do, or more simply you can say that if you loaned someone before, and that person will only be known to you, but how can the other person know okay.

3. Don't act like: "need is have"

Borrowing money is sometimes a habit of someone, but sometimes that habit is formed based on your unskillful behavior, to avoid being borrowed often and not having to brainstorm how to refuse. If you lose your heart, you should not turn yourself into a place to borrow money ''need is there'' and lend it too easily. When borrowing money is too easy, the risk of you continuing to borrow money is very high, skillfully refused and reasonable will save you unnecessary trouble.

4. Say that you have to buy something very important

One of the next logical ways is to tell the borrower that you are going to buy something for someone, anything like a new computer for your husband, a set of clothes for your mother, paying for school fees. for you, anything. Remember to emphasize the importance of the object or person you are about to buy. Think who would dare to borrow that money from you. Surely they sexkhoong bother you anymore.

5. Say ' you can help but not with money '

For those who are really close to asking for a loan, if you trust them enough, don't hesitate to help. As for outsiders, offer to help them in other ways instead of money. For example, get them a job providing food and sleeping for a few days. Lending something other than money such as an old phone or an old motorbike, etc. Although this will not make the other person happy, it will also make them feel comforted.

6. Say you're accumulating money to pay off your debt

This is how to deal with people who are not worth your concern, let alone your wallet to help them. There is a saying: ''The money in my pocket is still my own, but when it's out of my pocket, it's a completely different story''. For real friends, you can apply yourself one of two rules: If you are not someone who likes to lend money arbitrarily, if you don't pay, there will never be a next time. It is often said that money kills friendship, once or twice it is not fair but if it is not fair five times seven times it is another matter. There are many bad thoughts that lead to friendship being destroyed from time to time. If you don't want to help your friends by lending money, you can specify the amount you lend, for example, you will lend less than a million, if that person doesn't pay, okay, we are still friends. but you borrow money? there's never a next time. It is not natural that people have the saying ''borrow money through the heart, Pay through the personality''.

Make a loan once and you will understand that it is best to refuse in the first place when encountering these 5 typical loan types to avoid losing both capital and interest.

1. People with unstable finances and income

Borrow money you need to repay, with people with a stable income likely to pay and those without financial income can not even pay. Many people are not unwilling to return the money, but they really can't afford to pay it back, so if you can afford it, consider it as helping, giving them that money in times of trouble. And if not, it's best not to show your face and bite your teeth to lend.

2. People borrow a small amount of money but borrow a lot of people

Sometimes they just come to you to borrow a few hundred thousand or at most one to two million, the amount is not large, so it is difficult to refuse, you often easily accept and easily lend even though they are always late. pay. However, at the same time discovering that this person borrowed money from many different people, the risk increased especially high. You cannot know if they have taken your money to repay the debt to Mr. A or Ms. B that previously borrowed it, and it is also difficult to control whether they have paid off the other people, know if they are too much debt or not to lend more.

3. The person who used to be "indebted"

For those who use money borrowed from others but do not actively pay back on time, even ''debt burst'' as if nothing happened, they should reevaluate their dignity. No matter what they swear or promise later, they should not be trusted easily. There is a very good saying that ''Jiangshan is easy to change, nature is hard to move'', if you borrow money for the first time and don't pay it back, don't be foolish to lend more, people will always take the whole money and then regret it later.

4. Relatives, relatives but have a bad character

People often prefer to borrow money from relatives because of the special relationship ''a drop of blood is better than a pond of water'', the reasons are various from business, marriage or studying to repay the debt. But when we lend money we have to look at the personality of the loved one. Despite being a relative, money cannot be given to someone with a bad character, because the feeling of having to ask for money that has been lent to a loved one for a long time without payment is really uncomfortable. There is a saying that ''friends play together, it's good to be comfortable, it's nice to be honest'', no matter how one word money is placed in a social relationship, it can make it more awkward and complicated. It's sweat and effort, the result of hard work that everyone has to do, so no matter how close the borrower is, you still need to think carefully about dignity and character. their way to minimize the level of risk for their own decisions.

5. Borrowing money for improper purposes

Even though the ancients told us that ''dozens of levels are the same'' it means that you can lend money to people in urgent need, but you cannot lend money to lazy people. But we also need to clearly distinguish the urgent issue, if a friend wants to borrow money to speculate, to buy a house, to buy a car, to serve material needs, we cannot lend money because The associated risk is too high. Money problems cause broken relationships, not only in lending but also in envy. Money creates suspicion, comparisons between individuals, this is what forms a wall between people and makes us hesitate. Psychological inferiority compared to friends when the salary and low status are very common among young people. It is this mentality that creates an invisible pressure that makes them more withdrawn and closed, afraid to communicate and lose confidence in themselves, gradually they are afraid to go to friends meetings and push them away from friends. . In the past, when we met, we shook hands, and since our best friend entered a big company, the way we dress, our manners, and our speech are different, we are afraid to meet each other because we are on a different level. Even in a love relationship, money also hinders many young couples from being able to overcome the financial pressure of lameness. The problem often comes from underdogs who always feel inferior when walking next to a rich lover. Whether money is really valued or not, in the perception of each person money is also implicitly considered a measure of class success... in modern society. This mindset is insidious in our roots and makes money more powerful than its payout limit. To avoid situations where money loses you, we should carefully consider the following factors: If you don't really want to lend or the relationship is just normal, politely refuse. Before lending money, check your own financial ability, make sure the loan amount does not affect your life, if the other friend does not pay on time, when lending, you should carefully consider the financial problem. from friends, should not lend too much money, but should lend within an acceptable range. There should be a legal contract or witness in case of borrowing too much money. Even close friends should be clear. Always be aware that money does not create human value. Although money plays an important role in human life, don't let money turn you into a materialist and excessively pragmatic. Don't let money turn us into reluctant creditors or ugly low-keys. Be always the smartest coin controller.

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