Don't ask your friends for money, and don't lend them money. If you lend money to others, just like Mr. Hu Shi, I will borrow it and don't come back. Money can be exchanged between people, which makes our interpersonal relationship more successful. -San Mao
Borrow money urgently, but don't be poor: first of all, we must adhere to a principle: others can borrow money appropriately to save the emergency, but if they borrow money to do business or buy stocks, they must resolutely tighten their money bags. Otherwise, what can you do with each other if they lose money? If relatives and friends really need to borrow money to go to school or get seriously ill, they will not hesitate to borrow it, even if they don't come back in three or five years. This money is just a number for you, but for the borrower, it is an opportunity to change your destiny and a hope to save your life.
Borrow less but not more: the amount of money borrowed must be within your tolerance. This range means that even if the other party can't repay in time, it won't cause you too much economic pressure. Keep the lent money below this amount, and don't borrow more than this amount. At the beginning, in order to let my uncle invest in business, my aunt not only lent all her savings to my uncle, but also used her house as collateral and borrowed tens of thousands of yuan from usury. Finally, my uncle's business failed, and my aunt's family almost didn't even have a place to live.
Borrow near but not far: don't borrow if you don't have a good relationship. For example, if a colleague borrows money, you basically know his income and can borrow it. For those friends who haven't contacted for a long time, if one day you suddenly call or borrow money, tell them that you still owe a lot of money! As for netizens borrowing money, you might as well just disappear. When I graduated from college and just started working, a classmate who didn't know me very well borrowed 500 yuan and then disappeared. I didn't even see him at the later class reunion, which made me feel funny: as for it, I just broke up with my classmates with 500 yuan.
Borrow short money instead of lavish money: Many "moonlight people" spend lavishly and never save money. They always pay off their old debts in the first half of the year and borrow new ones in the second half. If you provide loans to such people for a long time, it means that they have occupied your property for a long time. You might as well invest the money you lent him! If you have such people around you, you would rather break up with them than send your hard-earned money to the jaws of death for so-called "friends"
In fact, having said that, the biggest difficulty in borrowing money lies in feelings and relationships, regardless of family friendship or the same thing. China people value feelings and interpersonal relationships most, so many people don't know what to do with borrowing money. In my opinion, some feelings can't be hurt and some "feelings" can be hurt. It is better to hurt your feelings when you refuse than to hurt them because of debt collection. Otherwise, if you can't get the money back, you will be cheated. Why bother? ?