Between the best friends, unless he is too poor to eat, it is best not to have economic exchanges. Many valuable friendships have been destroyed by money.
In life, no one can avoid meeting relatives and friends who ask you for money. If you are rich, you should help others. But if you are not very rich and someone borrows money from you, you are still worried that the other party will not pay back the money. This magazine suggests that you should distinguish the reasons for borrowing money. If a friend wants to spend money, especially if he wants to borrow money to eat, drink and have fun, live in a small house and change to a big house, or put your money into laying eggs with chickens, then you should say you are sorry and refuse skillfully to avoid the emotional crisis caused by unsuccessful borrowing. The following is the 1 1 rejection of the borrower's suggestion collected by this magazine for you, which may be helpful to you-
1 Adhere to the principle of emergency relief and poverty relief.
Everyone may be in urgent need of money, so when relatives and friends are in trouble, lend your helping hand and they will be very grateful to you. This is the truth when they are in trouble. However, if your relatives and friends have poor financial conditions and often borrow money from others, you should not consider lending money to them; If you have spare money, you can consider giving him some money directly. Of course, this is within the scope of giving money.
Adhere to the principle that friends are trustworthy.
You should check the borrower's trust before you borrow money. Once you lend money to others, you should trust him. Sometimes he can't decide when he can pay you back, so don't always urge him to pay you back, which will hurt your feelings more easily. If I had known this, you might as well not lend it to each other.
It is best not to borrow investors.
When a friend borrows your money to invest, if you don't understand the investment, you'd better politely refuse, because after all, the risk is too great, and it is likely that you will not pay it back after borrowing it. If you understand, you might as well invest yourself.
4 what should I do if I can't refuse
An agreement must be signed with the borrower, because oral guarantee does not explain the problem. Also, the amount should not be large, because in case he can't afford it, at least your normal life will not be affected. If you think the amount is a bit large, you'd better sign a mortgage agreement with him and notarize it. Don't be afraid of trouble at this time, because in order not to bother yourself and get the money back later, it is better to bother now. After all, we earned every penny.
Never talk about it with your family.
If you think someone wants to borrow money recently, and you really don't want to lend it to him, then you can prepare an excuse that you can refuse casually, blurt it out, which is non-negotiable, natural and does not affect your feelings. For example, stock hedging, recently planned a large expenditure, unfortunately lent to others, and so on. Never say that you want to discuss something with your family, so that the other person will think that you are unwilling to help him, instead of being helpless. For those who often come to you, you should refuse directly, which is better than the unpleasantness caused by the problem of paying back money later.
6 ingenious transfer method
When it is not good to refuse directly, we have to take circuitous tactics, change the subject or have other reasons, mainly because we are good at using the turning point of tone-gentle and persistent-never promise, but we will not be torn. For example, express sympathy or praise to the other party first, then give reasons and refuse. Because the other person has psychologically narrowed the distance between them because of your sympathy, it is easier to accept your rejection with an "understandable" attitude.
7 No opening method
Sometimes it's hard to say no to each other. I often practice what to say in my mind n times. Once you face each other, you can't make up your mind and you can't always say it. At this time, body language comes in handy. Generally speaking, shaking your head means no. People will understand what you mean when they see you shake your head, and then you don't have to say anything more. This is the best way to face a salesman. In addition, the interruption of the smile is also a hint of a bunker. Talking with a smile in front of you, suddenly interrupting a smile, implying that you can't agree or refuse. Similar body language also includes leaning posture, vacillating eyes, frequently looking at the watch, and being absent-minded … but don't hurt the other person's self-esteem.
8 procrastination and procrastination method
It is unwise to refuse what you have promised. The method of refusing here means-not giving a reply for the time being, that is to say, when the other party makes a request, you have been slow to agree, but have repeatedly said that you want to study or think about it, and the smart one will immediately understand that you are unwilling to agree. In fact, being able to help others is not a bad thing. When someone asks you to help him share things, it shows that he trusts you, but for some reason he can't help. But in any case, you should be modest, don't refuse the other party in a hurry, and don't forget to say "I'm very sorry" if you really can't help after listening carefully to the other party's request.
9 treat each other honestly and analyze directly
If relatives and friends borrow money, but they are really unable to help, it is a good idea to frankly explain the objective situation and refuse it directly. Of course, these situations should be recognized by the other party, which will not only hurt the feelings of the other party, but also win the understanding of the other party.
10 Take offense as defense, and strike first.
The key factor of this move is to grasp the relevant information in advance. Before the other person speaks, tell him your "financial situation" and tell him that you are short of money now. This move can be described as "preemptive strike" to avoid people thinking that you are making excuses.
1 1 answer blows with blows, lies refuse.
As the saying goes, "Deal with a man as he deals with you." For borrowers who have no credibility, they can refuse with lies. For example, you can tell him that money is tight these days and so on.