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Do you know the four "routines" of borrowing money?

I woke up one morning, turned on my cell phone and received a WeChat from my friend. Come to me and borrow a 50 WeChat red envelope, saying it's a phone bill and pay me back the next day. I didn't think much at the time. I thought it was just ordinary news. I didn't think so much. A boy who plays together in a local forum usually comes into contact with him several times and thinks he is OK. I sent him a red envelope. On the third day, I thought about it and asked him on WeChat. I didn't expect to reply to me, and I didn't think much. Later, I contacted several times in a row and didn't reply. I thought his WeChat was stolen, but obviously I wasn't blackmailed. A boy wouldn't ignore me for this fifty dollars. Later, I contacted the phone, and no one answered the text message, which was very confusing. Although it is a little 50 yuan, I still don't understand it.

I seldom borrow money, but it was my brother who gave me the idea that I was someone else's "credit card". After my cousin got married, when many families didn't have enough expenses and business turnover was difficult, he always asked me for a loan amount ranging from 2,000 to 5,000. Sometimes I use it because I don't have that much cash, but he says I can use a credit card first, and sometimes I think about this relationship. But my heart is very helpless. You know, two or three months ago, he borrowed 3K from me, and less than half a month ago, he borrowed 1K from me again. But apart from borrowing money or being confused about life, I have never seen how he "contacted" me, which has something to do with me.

And sometimes he gives it to me, sometimes on the repayment date, let me pay it back first, and then give it to me when he has it, and so on. Many times, I'm always afraid of receiving his phone call. As long as the caller ID on my mobile phone is "Brother", I can predict that he needs to borrow money, one at a time. Similarly, apart from borrowing money, I have never seen how to care about me at ordinary times.

I consider myself a particularly easy-going person. Friends are in urgent need, and as long as I have them, I will help them generously. Another time, I was a person who didn't have much contact at work. I don't know whether he is a colleague or a friend. He recently made Taobao, saying that he had to pay the bill first and let me pay in advance until I received the goods and confirmed that they were transferred to me at Alipay. And I explained to him that I have been brushing my classmates, whether it is WeChat or Taobao, I will transfer the money to me first. After listening to this, the man directly said why I don't trust him so much. Later, I ignored it. I didn't expect to delete me directly one day. Sometimes I really feel that because a little money can even affect ordinary friends, the boat of friendship will turn over. Think about it. That's ... . . All kinds of feelings.

Just a few days ago, I wanted to participate in a wealth management activity, and the rest of the money had no 5K cash flow. Because according to my general situation, when I pay my salary, I put the rest of the money into the quarterly financial management of the bank, leaving 2K of daily expenses and urgent needs in my hand, plus a credit card with a limit of 5 K. When my cousin borrows money from me, I have to give him the credit card. When I was thinking about saving money, I even thought about asking my friends to borrow 2K to ease it and pay it back when I got paid, but considering my own experience, I gave up the idea. I took out 1K and 5K from my living expenses, and finally saved enough money two days before the end of the activity on July 5th. I caught wool this time.

It just suddenly occurred to me: when we are in our twenties, why are we ignored as other people's "credit cards" and lending machines, or even potential private lending banks for our relatives and friends? See the story in "Babylonian Millionaire Financial Management Course", the lesson of a donkey. The cow didn't want to talk to the donkey about plowing, and the donkey told him to pretend to be sick and not to plow. As a result, the cow had a leisurely day, but the donkey acted as the task of plowing the field hard. This story tells us the truth of borrowing money. Don't transfer other people's debts to yourself, or you will be that stupid donkey!

In the face of all kinds of sudden loans on the way to saving money, how can we both refuse wisely and let others reduce the number of loans? At present, some of my practices are "routines" in the current network vocabulary. People who borrow money from you actually know the routine and know that you are soft-hearted, so they will ask you for money again and again.

1 the purpose of borrowing money is clear, and borrowing money is urgent but not poor.

Find out the specific purpose before borrowing. If it's personal consumption, it's best to cry and put it off. If it is a business turnover, make sure that the other party has the ability and credit repayment, and then consider it. Don't borrow it if the other party is evasive or conceals the purpose. Before you borrow money, you should also check the trust of the borrower. People are unreliable, and borrowing money will be wasted. There are many people, no matter how you help him, he will take it for granted, will not remember your kindness, and will only blame you.

Learn to "cry poor" properly and be a "crying" child.

Crying children have milk to eat, and you will spend money when you are free. Because sometimes I always feel that I, a girl who works, have no family expenses and spend little money. I also have a life plan, and I have to travel long distances and enroll in class training, which requires a lot of money temporarily. Also in my twenties, some people spend all their time eating, drinking and having fun in their circle of friends, which I seldom do, so my friends will think that they are foolishly saving money. Sometimes friends just need to bask in the sun, eat while eating, try on clothes and take pictures, and nag people around them to get paid at the end of the month.

3. The missing balance in the bank card

Even petty cash is kept in the money fund as much as possible. Someone asked and even had reason to show them the balance: "Look, this is the only living expenses I have left this month." Although the other money is mine, I can't get out. Maybe friends won't come to you in a few days. Although you have a time deposit, you should always understand that cash flow is only a little bit of living expenses, and always keep an "empty cup" mentality.

You can use it as a credit card, but you must repay it on time or agree on a certain interest.

Cheeky. You know, it's also cheeky for others to borrow money from you. Therefore, you can also agree on the interest in advance according to the general procedure, or thank you for the red envelope, so that you will not be depressed and will not cause the loss of friends' feelings in the future. Although it does matter, be clear about it and don't borrow money endlessly. I must reiterate this to my cousin.

I just want to say that borrowing money is really not the best way to help friends, and sometimes it will ruin your friendship! I don't want to be consumed by my friends. I'll tell you again, please think twice about borrowing money! Otherwise, you are depressed. I want to say that you can help others, but please don't wronged yourself!