Whether to lend money: tips that will be useful to you

🙂 Greetings to everyone who accidentally wandered into this site! Should I lend money? About this in the article. I remember an episode from my life: the end of the 70s. My salary in those days was 87 rubles a month (the rate of a nurse).

Once in a store, a friend of mine runs up to me with the words: “Help me out, give me ten rubles! Urgently needed! ” I helped out.

A week has passed, but no one returns the favor – silence. I politely reminded my friend about the top ten and received an amazing answer: “I didn’t borrow, but asked to give, these are different things”. I lost a small one, but the fact itself is unpleasant. There were many other cases when debts were simply not returned.

Imagine if all people returned money on the promised date, they would borrow without problems and even with pleasure! Alas, this does not happen and our relationship with the debtor is permanently or permanently damaged.

Why you can’t lend money

Why don’t they give us money?

The reasons:

  1. Forgetfulness – the person spun, forgot about the money taken from you. In this case, you can remind, and not start immediately offended by the debtor.
  2. A person has financial problems that cannot be solved in principle. Unfortunately, in such cases you will have to forget about your money – they will never be given back!
  3. An ordinary deception – they were not going to return the money you took!

How to refuse politely so as not to offend?

Whether to lend money: tips that will be useful to you

Here you must adhere to the following rules

  • never, anywhere and in front of anyone, do not advertise how much money you have. Even in front of close friends. Remember, the fewer people know about it, the more complete your finances will be;
  • refer to the lack of available funds and offer your help in non-monetary form. For example, take to the right place in your car, help with groceries; Thus, the person will see that you are not indifferent to his problem. But he will probably refuse other help, because he wants to borrow exactly cash;
  • advise a good bank where you can get a profitable loan. To lend finance is the prerogative of banks, not people;
  • if you still cannot refuse and decide to borrow, then adhere to just one simple rule: you can lend no more than you are willing to lose. When lending money to your friends or family, consider that you are giving it away for free;
  • do not remind your debtors of debt. If they give it back, it’s good, if they don’t give it back, you will have a good lesson for the future. Since the amount of the loan is insignificant for you, you should not quarrel over it;
  • read the article “How to Learn to Say NO”.

Russian language: “to borrow” is to lend, and “to borrow” is to borrow.

😉 Friends, leave in the comments your advice from personal experience on the topic: Do you lend money? Thanks!

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