Let me tell you a true story that happened to me!

I have a college classmate who I have a good relationship with. We fight together, eat and drink together, play together, and graduate together!

When he was in college, he loved to go to the game machine room to play gambling machines. Whenever he had nothing to do, he liked to ask me to borrow money, which was small amounts of 10 yuan, 20 yuan, 50 yuan, and 100 yuan.

Later, after graduating from college, my friend still didn’t get rid of his bad habit of gambling, but sometimes he would ask me to borrow money when his salary was not paid, so I borrowed 1,000 yuan and 2,000 yuan again and again. Lend it to him like this.

However, every time he would return it to me on time.

Unfortunately, one time, my friend asked me to borrow 1 million, saying that his friend wanted to buy a house but had 1 million funds, so he thought of me.

If I am willing to lend his friend 1 million for an emergency, not only can I get the principal back within one month, but I can also get a 200,000 bonus. And this 200,000 benefit fee can be shared half with me, and he will guarantee it.

I was afraid at the time that the 1 million might never come back. I even thought about whether he had lost money gambling, so I rejected his "kindness"!

I know that there is no free pie falling from the sky, and I don’t want to take advantage of it.

However, after this incident, my friend always thought that I hindered his plan to make a fortune, causing him to lose this good opportunity in vain.

Since then, I have never seen him like me again on WeChat.

The gatherings that were held several times a year have also disappeared, and the phone calls have stopped.

This made me realize how terrible it is to borrow money.

So, when you care about this relative or this friend, you borrow it. If you plan to cut off contact with him, don't borrow it! ! You have the final say with your own money! The world cannot live without anyone, and the earth will not stop spinning without anyone.

Speaking of borrowing money and being lent money, I feel that this cousin can do without it! I secretly bought a house with 40,000 yuan of savings in 2012 behind my parents’ back, and I borrowed the rest! I called my cousin and I was short of 20,000 for the down payment. He said on the phone that I could pick it up at any time. I went to his house to get the money the day before I was due to pay. His wife took out 10,000 and said they only had 10,000 to buy a car because they needed it the next day. I had to pay the money, so I held back and accepted the ten thousand yuan. Later, the company boss asked me how much the difference was because the apartment I wanted to buy was right next to the company. I had just signed a 10-year contract with the company. The boss wanted me to continue working stably. I didn’t want to do it every day. I was worried that I wouldn’t be able to run 30 kilometers long. I said it was tens of thousands short, but before I left the office, my boss put 50,000 into my card. I still remember that scene, thank him, and wish him peace and happiness in his life... That night I I silently went to my cousin's house and gave him 10,000 yuan, saying I wouldn't buy it for the time being! In fact, I bought it anyway! Later, in the third year, my house was demolished and I lost a few houses and over 1 million yuan. At this time, my cousin asked my uncle to find my mother and tell her that there was still 230,000 yuan left to buy the house in full. He asked my mother to lend him 230,000 yuan to buy a house for her son! Should I tell my mother about my house or the loan? Why don't you pay me the balance if you give him the full amount? If you lend it to my uncle, I won't come back to this house... Later on, the relationship between my mother and my uncle deteriorated. The relationship between me and my cousin started when I asked him The moment I borrowed the money has faded away... The true feelings of childhood are no longer there~~ From now on it will fade away~~ Live your own life! Except the one who gave birth to you and the one who gave birth to you! No relationship can last a lifetime!

Let me talk about borrowing money. These are my personal experiences. When I was in good times, I had a friend of mine. When he was contracting construction sites, I tried my best to help him. When I was in 1994, I lent him 2,000 yuan. But when I was down and out, I asked him to borrow money, but he refused to lend me the money. There is also a friend who used to ask me to borrow money, and I always lent it to him. Finally, when I asked him to borrow 2 yuan, he refused to lend me money.

Another time, one of my classmates played very well together in school. When I was 96, he lent me 3,000 yuan. He said he was going to do business. In fact, he used my money to travel to Wuhan.

When he borrowed the loan, he said he would pay an interest of 1.5 cents. It turned out that after waiting for more than 10 years, I built a house before he gave me the money.

There is another friend who asked me to borrow money. He always begged and asked. In the end, I lent him 1,000 yuan. It has been more than 20 years now and I still haven't given it to him. I think I gave him the money.

So, after I experienced these things, I will never lend money to friends again. As for relatives, it depends on what kind of person they are. If he is an honest person, you can borrow it; otherwise, don't borrow it. Because more than 100,000 is not a small amount after all.

If you borrow the money and the other party doesn't return the money, do you want to be a relative with him?

This is a very critical question.

Relatives, brothers and sisters, but completely different.

Please remember this sentence, if you don’t borrow money, your friends will still be there; if you borrow money, your friends will have nothing to do; similarly, the same is true for relatives.

Of course, it can also be seen that you can lend hundreds of thousands to prove that your career is successful and your assets should be tens of millions, otherwise others will not open their mouths, but please remember, your Money is not stolen or robbed, so why should you look at other people's faces for your hard-earned money?

When the relative you are talking about can say such a sentence, there is nothing you can do if you don’t want to borrow money from the relative, which is full of threats. Isn’t this a sign that the loan will not be repaid?

The person who really needs your help depends on whether you can support him, rather than using the excuse of severing the relationship to refuse.

It can be said with certainty that as long as you borrow this money, you will never get it back.

At least, all the examples here can indirectly prove whether you can lend money to him when he borrows money from you. .

According to your current net worth, you naturally have a clear grasp of the economic trend of this era, so you must ask him where the borrowed money will be used? When he tells you the purpose of borrowing the money, you can analyze it and draw a conclusion: how much entrepreneurial capital is needed, what are the benefits, and what are the risks?

If you are buying a house through physical investment, it depends on what industry he is engaged in daily and how many years it will take to repay your principal based on his income. Of course, if you really borrow, the IOU must be written clearly. When you have a falling out, you can still go to court.

As for buying a car, whether it is for personal use or transportation, you can analyze the questions.

You should know as much as possible about the character and reputation of your relatives. You should also know the income of their families. Then you can combine this information to decide whether to borrow or not.

Of course, if you follow my way of thinking, it would be better not to borrow it if you don’t have relatives to do it.

I used the loan money to buy a house and went to visit my cousin during the Spring Festival, who is also my daughter’s godmother! We talked about the loan several times and asked me to repay it in advance. I was living hard with the loan because I had no money. She had money to lend to me. I went back and discussed it with my son and daughter-in-law, because I bought the wedding for them. We used our whole family to borrow the house, and my brother and I also borrowed it. In the end, we were still short of 70,000 yuan. I called my cousin and the money came directly without an IOU. I was very touched! Half a year later, when her son got married, I hurriedly scraped together and paid back 20,000 yuan. The next year, when her grandson was born, I paid back everything. Five years have passed, and my gratitude to my cousin has never diminished! Thank you, cousin, cousin-in-law! I wish you good health and longevity!

People who ask you to borrow money and become strangers to each other after not borrowing money are not worth dating at all. As the old saying goes, use joy to worry about trouble, and it is true. I have personally experienced two things. The first one was that my second aunt borrowed 10,000 yuan from my family more than ten years ago. Ten thousand yuan at that time was no longer a small amount, and I never paid it back. In 2005, my father passed away, and my mother was a housewife who never worked and had no income. So, my mother asked my second aunt for money. Although the second aunt was unhappy, she didn't say anything. But after that, my aunt came to my mother and said, eldest sister, don’t ask your second sister for your 10,000 yuan. Her family is in great difficulty. My mother was also very angry at the time. Who doesn’t have difficulty? In my family, all the money-makers are gone, and I don’t know how I will live in the future. A few months later, the second aunt returned the money. I want to point out this matter. No matter how close or close a person is to you, if you ask for the loaned money back, you will offend the person.

The second thing happened to me. At that time, I used my house as a mortgage to borrow tens of thousands of yuan a year. When the repayment date came, I still couldn’t make up the 5,000 yuan, so my husband found a good one. I borrowed it from a colleague, but he refused very simply. A few years later, he asked my husband to borrow money again. I originally didn't agree to lend him money because he didn't lend a hand when I was in trouble. But my husband did not adopt my opinion. Lent it to him. Of course, I later paid it back at the agreed time.

Through these two things, I want to say that when others lend you money when you are in difficulty, you should be grateful and try to return it to them as soon as possible. Don't hold a grudge when someone doesn't lend you money. Because people don’t owe you anything, lending to you is a matter of affection, and not lending to you is a duty.

Therefore, the money is in your own hands, and it doesn’t matter whether you borrow it or not. If I stopped communicating with him because I didn't lend him money, I don't think there's any need to blame myself. Let him be.

It would be better to cut off the flow. It is better than not owing you money. Then you will have to pay the price. A relative of mine came to the cleaning company. I have done garbage removal before. He owed me the freight for the car, and I lent him money, totaling more than two hundred thousand. At that time, he was too embarrassed to ask for an IOU because he was a relative. Now he doesn't give it to me. I have no choice. The freight has not been paid, and the money I owe is also I didn't give it, and after searching for it several times, I had to resort to legal procedures in the end. It's very troublesome to deal with this kind of thing. In fact, the relatives are now old-fashioned and don't interact with each other, which makes it even more troublesome.

I would rather cut off contact than borrow this money. I lent 100,000 yuan to a colleague in 2015 and promised to pay back the principal and interest in one year. However, I still have 80,000 yuan left with no hope of repayment. There was no hope of interest, and he was extremely aggressive when asking for the principal. Hey, I won’t talk about it anymore. Anyway, I cry when I talk about it. Therefore, I will not borrow from anyone except my parents from now on!

I will not lend it to him. If you lend it to him, you will offend him, and you may not get the money back. If you don't lend it, you will offend him. At least the money is still in your hands. If it offends you, then don’t borrow it.

I have a sister. A friend of hers asked her to borrow money because she needed it urgently. She paid it back three days later. Out of good intentions, my sister secretly lent her 190,000 yuan without telling her family. It has been four years and she hasn’t given her a penny. She also said she didn’t have any money. To save my life, even if I sue, I still won’t get a cent. Her daughter got married out of town, and her neighbor heard about the money she had prepared, and asked her to borrow it, saying it was for turnover. She came to me to discuss it, and I made a fuss with her. Is there anyone who borrows dowry from others? It didn't hurt her memory yet, she didn't borrow it after hearing it. Small money can be considered. Based on the relationship between the two, I gave it to her. If she doesn't pay it back, she won't let her go. However, this person won't interact with her anymore. I have a neighbor whose classmate asked her to borrow money, and she took five dollars from me. Qian (ten years ago) said she would give it to me for a week, but she lent it to me for a year. I asked her for it, but she said her classmate didn’t give it to her. When her husband found out, he said to her, it has nothing to do with your classmate not giving it to you. , you should give it to people. She later gave it to me, and later she came to me to buy a house, but I didn't lend it to her. She was too capable. You can't pass the risk to me. I trusted you and you took advantage of it. I'm sorry there will be no next time.

Just cut it off if you ask to borrow hundreds of thousands from relatives. There is no regret. In modern society, everyone is so busy, and you don’t have time to immerse yourself in troubles and worries. Life is short, live your life well.

My family’s conditions are not good, but not too bad. My dad is very righteous and has a lot of debts. When I was young, every year before the Chinese New Year, my mother would instruct me to go door to door to collect debts. My father would not ask for debts, so it all fell on my sister and me. Then every year we are criticized by others for being uneducated.

My uncle borrowed 1,000 yuan from my family in 1986. Around 2003, he finally asked for several hundred yuan back, and was scolded, including my grandma.

My aunt has two bankbooks from my family, both of which were lent to her. When my father had an accident, she agreed to lend money, but later regretted it. My mother specifically asked for the empty bankbook back so that she could see how blind she was.

The husband I found myself is not in good condition, very bad. My sister married well. I collected the down payment before getting married, worked part-time as a street vendor and washed dishes, and never borrowed a penny from anyone in my family. My family's environment has improved in the past few years. My husband borrowed 130,000 yuan. This year we will change our house. If we don't get the money back, we will have to scrape together things by ourselves.

Borrowing money hurts feelings!