How to cleverly refuse to lend money to others?

The first point of the phone call is to show that you attach great importance to the other person, not to perfunctory him. Maybe the borrower is embarrassed to call you to borrow money directly because of his inner embarrassment, but if the borrower also refuses by text message, it will be a bit inhuman. Of course, if your decision is to lend money to the other party instead of refusing it, you can reply by text message no matter how much. There is no reason for this, just because of the need to calm each other's emotions. Now that you have just decided to refuse her, you might as well put down what you are doing and make a phone call to appease her at a disadvantage and anxious. You can praise her decision first, understand her original intention, praise her for being "kind" and "brave", and then ask her to understand your difficulties. It's not that you don't want to help her, but that you really don't have the strength to help her and so on.

2. Be frank and direct.

If you meet relatives and friends who borrow money, you are really unable to help. Frankly speaking about the objective situation, it is a good idea to refuse directly. Of course, the premise is that the other party can agree, which will not only hurt feelings, but also deepen mutual understanding: Oh, it turns out that we are all the same, and neither of us is very rich. This situation is especially suitable for classmates and friends to "borrow money" from each other. Classmates and friends are generally about the same age, with little difference in economic income and similar major expenditures. You need to buy a house, he needs to buy a house, you want to get married, and he is about to have a baby. If you want children, you have to be prepared to change school districts. And so on. In short, if you borrow money from classmates and friends of the same age, you can treat each other with affection, play the card of bitterness, say that you bought a house that year, how many tens of thousands your mother-in-law raised, and write an iou.

3. Transfer of financial power

If you get married, congratulations, you have another reason to refuse others to borrow money. When is the best time for couples to use it? It's best to use it when you take the fall. You can say that everything in your family is fine except money. Alas, he has kept all his money, and it's killing him to get a penny. Then take you and your wife as an example. There are many quarrels, bickering and even divorces over money. That's a real pity. If I hadn't pushed you so hard today, you would be embarrassed to say anything. This move requires the couple to understand each other and cooperate with each other. If your relatives borrow money from you, you will depend on your husband and his relatives will lend him a helping hand. If you have no choice, be a big head. One plays a good COP, and the other plays a bad COP. After all, it's not just for a good life. What happened?