How to get the money you lent to your friends back gently?

Speaking of lending money to friends, I think many people have lent money to friends to some extent. I also lent money to my friends, ranging from thousands to hundreds, and finally I got it back smoothly. My method is: objectively describe the difficulty of using money and remind my friends to pay back the money.

I have a good friend who has been a classmate for six years from junior high school to senior high school. If he doesn't choose high school, we will be in the same university. After graduating from college for two or three years, he rotated several jobs in several cities in the province for various reasons, and his job was unstable and his income was unstable. After graduation, I was admitted to the system and returned to work in my hometown city. After two or three years, I have some meager savings. Later, my friend came back and worked in our hometown city.

One day he asked me on WeChat if I could lend him some money. I didn't ask why, because I knew he wasn't really in trouble and wouldn't say anything. I asked him directly: how much is it? I don't necessarily have too many. He said he wanted to borrow 8 thousand, because he spent more than 20 thousand on his teeth and didn't have much on him. He still needs to continue to get his teeth halfway. Then he explained that it was probably for planting teeth, and it was necessary to check and care regularly in the later stage. A whole tooth is really expensive. In fact, my savings are 20 thousand to 30 thousand, and it is still very painful to lend him 8 thousand. However, I lent it to him through WeChat and the bank. He didn't promise when to return it.

A year later, I chose a house and needed money for a down payment, so I remembered the 8 thousand yuan I lent to my friend. I know his job is unstable and he is a little short of money. But I need money myself. I need to borrow some from my relatives and friends, and I need to return what I borrowed. So, I told him on WeChat (first talk nonsense, cut to the chase), "Yes, Brother X, I have booked a house, and now the house price is not cheap. I have borrowed about 20 thousand from relatives and friends, and the down payment is still pitiful. I wonder if the thousands I lent you before can be returned to me first? " The friend said, "yes, but I don't have it right away." I'll transfer you in a couple of days. " In this way, without an agreed repayment period, I finally objectively described my actual demand for money, and the borrowed money was easy to get back.

This is a simple way to get the money I lent to my friends back, which is euphemistic and there is no trouble between the two. In addition, the following also provides some commonly used euphemism "debt collection" quotations for everyone, so you can take your seats accordingly and use them if you like.

1. Oh, I fell. I can't get up unless you pay me back 800 yuan.

I have no money to eat, or you can beg to pay me back.

3. When Bai Hua sent a text message to collect debts, she suddenly found that ... she was unable to repay them.

Today, I was disturbed by the noise complained by my neighbors, because I am too poor now.

I'm a little unhappy today. I wonder if my friends can repay me and make me happier.

Seeing that you are so happy, I am embarrassed to remind you to pay back the money.

7. It is said that those who pay back the money today will have a lot of good luck in the coming year.

8. I don't like money worship, I like to please. My friend, please give me my money back.

(The above debt quotations can be properly used in combination with Yan characters, and the effect will be more euphemistic. )

In addition, I found that some people say that it is difficult to get back the money lent, and all the people who lend it are shameless. I just want to say here that all "friends" can lend him money. Don't borrow money from people who don't contact for a long time and suddenly want money; Friends who don't know the traces of each other's work and life don't borrow them; If a friend borrows money for investment/financial management, he will not borrow it; It is said that borrowing money to redeem cars/deal with violations, etc., don't borrow it ... If you are not careful, it is estimated that it will be difficult to get the money back because of these situations. In this case, I suggest that you can refer to my method. First describe the difficulties of using money to the other party (such as buying a house, buying a car, repaying the loan, giving birth to a child, etc., which is more convincing) and remind the other party to pay back the money; If the other party procrastinates, I suggest you take the IOU materials in your hand and go to a lawyer to get them back through some legal channels, because the other party is shameless and there is no need to be polite to the other party.