My friend borrows money and doesn't pay it back. I want to send a text message, which is euphemistic.

This problem is really tangled and easy to encounter in daily life.

Generally speaking, my handling method is to distinguish what kind of friends I am before borrowing money. If I am a deep friend, no problem. If you are a casual acquaintance or a fair-weather friend, either make an excuse not to borrow or borrow less, or make an appointment to pay back the money.

Since it was lent out, we should analyze why he didn't return it. If he wants to break the contract, it's no use sending a text message to remind him. If you have no money at hand, it's no use asking for it now; If you just forget, it's ok to remind you.

Suppose the object of your loan is the situation you forgot last time. If you have a good relationship, you can send it directly: Brother, I am short of money for the New Year. Please pay back the money you owe me first. (and so on, if the relationship is good, you can point it directly. If the relationship is average, you must be tactful. You can find an excuse: my friend, I (or someone in my family) have met xx and need money. Please pay back the money I lent you last time. If you have spare money, lend me some emergency (I think the latter part is the highlight, hehe) ~

I hope my words will help you ~