It's easier to borrow money than to collect it. Funeral debt collection was sentenced to 8 years in prison. How can we effectively refuse others to borrow money?

It is said that borrowing money is easier than asking for it. Actually, it really is. Many people can never get back the money they lent, so we can't lend it to some people who don't keep their promises.

Doesn't mean you have to refuse everyone to borrow money. There is a saying that "emergency does not save the poor". If relatives and friends have a serious accident or are seriously ill and need money, people will ask you, even if you can't give that much, you should take it out. But if it is used to buy a car, a house, a mobile phone or a gift, then say sorry, I am not as good as you.

No one is stupid now, and sincere rejection is often more direct than playing routines. People will know that you are a principled person and won't borrow money from you in the future, so you don't have to bother to design those routines and make up those lies. When someone borrows money from you, you should also judge whether this person is reliable, whether he has repayment ability, and whether the probability of default is great.

People who still owe you money but haven't paid it back, you may worry that if you don't lend it to him this time, you won't get the money back. If he doesn't pay it back, he won't pay you back! Therefore, just like investing, stop loss first, and then slowly owe money. This kind of person has a high probability of not paying back the money!

First of all, when we refuse, it is better to call than send a message. Although some people think that sending a text message to refuse will make them less embarrassed, it will make your friends feel that you don't value him or even perfunctory him. Calling is to calm the other person's mood. You can make him understand that you are not unwilling to help him, but that you are really incapable and so on.

Secondly, when you really can't afford to borrow money, you can be honest with each other. If you meet relatives and friends to borrow money, there is no way out. Explain the situation honestly and refuse directly, but only if the other party can agree with you, which may deepen mutual understanding. Of course, don't be too high-profile at ordinary times.

Another way is to buy your own wealth management products or have a large budget. In this era of rapid development, many people have no money. You can say that you just bought a wealth management product, or you are going to buy a house.