2. Adhere to the principle that friends can be trusted. You should check the trust of this friend before you borrow money. Once you lend money to others, you should trust your friends. Sometimes he can't decide when he can afford your money, so don't always urge your friend to pay it back, which will hurt your feelings more easily. If I had known this, you might as well not lend it to him.
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. That is, you know, you might as well invest yourself, right? But sometimes, if you have to borrow it for the sake of friends' face, then I'll go on.
You have to sign an agreement with him, because oral guarantee can't explain the problem. And the amount should be small, because in case he can't afford it, at least your normal life will not be affected. If 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, every penny we earn is hard earned.
5. You think it's better to politely refuse a friend who can't borrow money. If you can't politely refuse, you should tell the truth. Long pain is better than short pain. It's much better to hurt feelings now than to urge him to pay back the money later. Besides, before you borrow money, others will take the initiative. Then don't be scolded by your friends. You can't get your money back. Why bother?
If you really can't, just say "money is a little tight." Or pretend not to hear.
(For reference only)