Don't have money with friends, don't lend money to friends. If you lend money to others, just like Mr. Hu Shi, I don't ask for it back. Money can be exchanged between people, which makes our interpersonal relationship more successful. -San Mao
If you borrow money urgently, don't borrow money from the poor: first of all, you must adhere to a principle: others can borrow money appropriately to help them out if they are really in a hurry, but if they borrow money to do business or buy stocks, they must firmly tighten their money bags. Otherwise, what can you do to the other party if it loses money? If friends and relatives really need to borrow money for school or serious illness, they will not hesitate to borrow it, even if the money cannot be returned in three or five years, they still have to borrow it. 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 and don't borrow more: the amount of money borrowed must be within your tolerance. This range means that even if the other party can't repay it in time, it won't cause you too much economic pressure. Keep the money lent below this amount and don't borrow beyond 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 borrowed tens of thousands of yuan from usury with her house as collateral. Finally, my uncle's business failed, and my aunt's family almost didn't even have a place to stay.
if you borrow near, don't borrow far: if you don't have a very good relationship, don't borrow. For example, if a colleague borrows money, you are basically clear about his income and can borrow it. For those friends who haven't been in contact for a long time, if you suddenly make a phone call or come to borrow money one day, just tell him that you still owe a lot of money yourself! As for netizens borrowing money, you might as well just disappear. When I first joined the work after graduating from college, a classmate who was not very familiar with me borrowed 5 yuan, and then disappeared. Even the later class reunion didn't see him attend, which made me feel funny: As for it, I just broke my classmates' affection in 5 yuan.
Borrow short money instead of extravagant money: Many "moonlight clan" spend a lot of money and never save money. They always pay off old debts in the first half of the month and borrow new ones in the second half. If you provide loans for this kind of person for a long time, it means that he has 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 tiger's mouth for the sake of so-called "friends."
actually, having said that, the biggest difficulty in borrowing money lies in feelings and relationships, regardless of family ties, friendship or the same thing. What China people value most is feelings and interpersonal relationships, so many people don't know what to do about borrowing money. In my opinion, some feelings can't be hurt, and some "feelings" can be hurt. Instead of hurting "feelings" because of debt collection, it's better to hurt them when you refuse. Otherwise, if you don't get the money back, you will be cheated. Why bother? ?