What happened to those who lent money to others?

A business friend posted a message in the circle of friends, paying back the money today with a 10% discount. It looks a little funny, but behind the laughter there is some helplessness. He is another person who has trouble collecting debts!

I couldn’t help but chat with him, how about it, do you want your money back with 10% off? If I had known earlier, I would have borrowed some money from you. I don’t need any principal and can still collect interest!

"Don't add fuel to the fire, you damn girl! My lungs are about to explode now. When I borrowed the money, everyone was like a grandson. Now I'm in a hurry to use the money and I'm looking for them to rush me." Also, there are more excuses than one!" His anger can be felt through the phone screen.

Borrowing money is a topic that can cause everyone's emotions to fluctuate. Many people have encountered this situation at one time or another.

Occasionally when I am in a tight situation, I will ask friends to borrow money, because as I get older, it is difficult to ask my family for help. Explain the purpose clearly and agree on the return time. If the money is not paid by the due date, you will apologize to the other party and explain the reason. When you have money, you will pay it back as soon as possible. You will also lend money to friends for emergencies. Fortunately, most of your friends will pay it back on time.

Life cannot always be smooth sailing, and borrowing money can be considered a common favor. However, as you meet more and more people and the circle around you expands, there will always be some people who will let you We feel the disadvantages of borrowing money.

A junior I met when I was in school was very fun-loving and liked to treat guests to dinner and drinks. He behaved very generously and freely. One time, I suddenly asked for a loan, saying that my brother had borrowed my money. I was in a hurry to pay the rent for the past two days. My brother promised to pay it back to him within a week, and he would pay it back to me within a week. Taking into account his anxiety and the fact that he had agreed on a short repayment time, I sent back two words: card number.

A week later he showed no sign of wanting to pay back the money, and I was too embarrassed to ask for it at first. Two weeks later, there was still no movement or contact with me. I couldn't help but reach out to him, but no one answered the phone or responded to his messages. After a long time, he replied that he had just been playing basketball and didn't hear it. For the next half hour, he kept complaining about how the brother who owed him money was cheating and not paying back. Finally, the junior student said, you probably don’t use money very much, so lend it to me first, and I will pay you back when you have money!

I... really want to repeat what he just said. Do you really think I am the Virgin Mary or a fairy who drinks dew without eating?

From then on, it is no longer easy to lend money to boys who are not particularly close to each other, and the exchange of borrowing money and repaying money also reflects the character and quality of the other party.

A female colleague at work usually has a carefree personality. Her salary is not high but she is very generous to herself. Once when I was shopping, I fell in love with a set of clothes. I really liked it and couldn't bear to take it off after wearing it. The salesperson promptly encouraged me and said that this number was the only one I could wear. My colleague said, please help me pay it first, and I will pay it back to you immediately after my salary is paid.

Because we work together every day, I paid for her without hesitation. After my salary was paid, I politely asked her to repay the money. She said in an understatement, I'm sorry, but I have to pay back the credit card. Can it be next month...

At that time, I only had one thought in mind, that thing I also like the clothes, but I’m not even willing to buy them! It took me more than three months to pay her back. Even though our relationship was not greatly affected by this incident, I will not pay her money next time.

We are usually embarrassed to remind the other party, for fear that they will think we are stingy, for fear of hurting their self-esteem, and for fear of damaging the relationship between us. However, without reminding them, their nonchalant attitude is really hard to calm down. Originally we were the one who gave, but if we push them hard, it turns out that we owe them something.

If you can be more generous and say no, forget it. Can it be done? I hate working as a person so much. I work hard and get scolded by my boss just to earn a little money. I can’t do this!

If most of the money lent will be paid back in full in the end, even though the debt collection process is not smooth, then a recent situation in my family is really embarrassing.

One of my father’s friends died in a car accident less than two months after borrowing tens of thousands of yuan. Because the money was borrowed privately between friends, the families of both parties did not know. Later, my mother After knowing this, I firmly stated at first that of course I have to get the money back! But when we went to his home, the somber and depressing atmosphere made it impossible for us to speak. The family members just said that they didn't know anything, and they dismissed us. In the end, it was settled. My mother was also in a depressed mood during that time. How hard it is to earn tens of thousands of dollars now!

In short, borrowing money is risky, so you need to be cautious. In a human society, if we cannot avoid money transactions, we must also have our own bottom line and principles.

First of all, start with self-discipline. Don’t borrow money unless it is absolutely necessary. When borrowing money, you should clearly explain the return time to the other party and pay it back on time. If there are special circumstances, be sure to explain the reasons in a sincere manner. The person who lent the money is too embarrassed to ask for an IOU. Can we take the initiative to ask for it so that the loan can be assured? You should also be grateful to those who are willing to lend you money, let them know that their efforts are not in vain, and that you are also a person worthy of others' generosity.

When lending money, you must fully consider the other party's character and ability to repay the money. If the amount is large, find a certifier and write a written receipt. It is best to prepare for the worst and evaluate whether you can accept the outcome of the other party not paying the debt on time or even not paying it back.

Finally, I hope we all have the ability not to borrow money in the future, and also have enough courage to say no when we don’t want to lend!