Lend money to your noble people to talk about feelings.

Please call a person who is willing to lend you money when in trouble a noble person.

I still remember that in the movie "Flying Life", Shen Teng's sentence was particularly heartfelt: "The collapse of adults began with borrowing money."

Borrowing money makes people collapse, on the one hand, because lack of money will make people deeply feel frustrated that they can do their best but can't do anything, on the other hand, they also have to bear the sadness of hitting a wall everywhere, having nowhere to turn for help and trampling on their dignity.

0 1 The down payment on the house has soared, but I have no choice but to borrow money.

I am a person who has no house and no sense of security. For me, the house is not only cold reinforced concrete, but also a home bearing countless dreams. Therefore, from graduation to work, all sales departments went to see the house and understand the housing market.

In the second year of work, I booked a house with three rooms and two halls, 1.20 square meters, and walked to the company for ten minutes, with a total price of 384,000. I have to admire my luck. At that time, the housing prices in our small fourth-tier cities had not yet started to take off. After I paid the deposit for half a year, one square meter went up 1200 yuan.

The sales consultant calculated for me that the down payment is 30%, 1 1.52 million, and the advance payment is 5,000 to 20,000. You can pay the down payment first, and the rest will be paid before the house is capped. The house is expected to be capped in two years, which means I have two years to prepare 95200.

I calculated that at that time, the monthly salary was 3,900 yuan, the annual average bonus was about 30,000 yuan, and the estimated annual income was 76,800 yuan. If you are single and have no burden, you can basically pay the down payment without borrowing money.

However, the plan cannot keep up with the changes. That year, house prices soared too fast, and the country suddenly tightened its policy. Houses below 80 square meters can be down paid by 30%, and houses above 80 square meters must be down paid by 40%!

In this way, the down payment of my house changed from 1 12500 to 153600, and the house was built surprisingly smoothly. Originally, the upper limit of two years was 1 1 month, in other words, I had to pay back 65438 less than 1 year.

At that time, I only had more than 50 thousand in my hand, and the gap reached more than 80 thousand. Parents and relatives raised more than 50 thousand. I swiped my credit card for 20,000 yuan, and I still have more than 1 10,000 yuan left. I have no choice but to borrow it from my friends.

It was this loan storm that made me see many things clearly. ...

The warm-hearted sister who rejected me.

I was the first to call the eldest sister in the department. She runs a hair factory at home, with a rich economy and famous brands, and a bag of tens of thousands. Her life is very emotional. We have a good relationship and talk about everything. Her husband is often away from home on business trips, and I often go to her house for dinner.

She can grind coffee, fry steak and make cakes by herself, and often feels that her husband is really lucky to marry her, with good temper, good figure, patience and understanding of life.

After I explained the situation, she hesitated and then refused. She said that all her money was invested in the stock market. Recently, the stock market is a green screen, and she is trapped in it. If she cuts the meat now, she will lose too much. ...

Although a little lost, I accepted it quickly. After all, people also consider the return on investment, 1, 000 yuan. Even if the principal is deposited in the bank for a fixed period of one year, there are hundreds of gains.

If you lend it to me, not only is it expected that the income will be lost, but once I don't pay back the money, she will have to bear the loss, which is too unwise.

Moreover, we have only known each other for less than two years, and our feelings are not deep enough to need other people's stocks to bleed and save me. Put yourself in others' shoes. If I were her, I might hesitate.

Although I let go, I was a little embarrassed to see her. She told me intentionally or unintentionally that she was used to luxury and could hardly save money.

Her husband's business seems beautiful, but all his money is in business, he has too much debt outside, and he is also under great pressure from bank loans.

I advised her not to take it to heart. I've solved it. I don't need money. Everyone has a hard time. It is not easy for everyone. Don't let this little thing affect your mood.

In this way, a few days later, we talked and laughed again, as if this episode had never happened.

However, deep down, I reminded myself that I should never ask her for money easily again. ...

Borrowing money is not entangled, and no one's money is blown by the wind. No matter how rich others are, there may be other investment projects with higher return on investment.

The entanglement after rejection will only embarrass yourself, embarrass others, put inexplicable shackles on the relationship between relatives and friends, and force others to gradually stay away from you.

02 refused to leave any room for Xiaofa.

We are from the same village, playing together since childhood, and not only junior high school, high school and even university belong to the same school.

She is bold and independent, but I am timid and hesitant. Our personalities are just complementary. When I was a student, she was my support. I will discuss everything with her and listen to her opinions.

We eat, shop, climb mountains and travel together. I accompanied her to meet those netizens who were running around on the Internet. She accompanied me to meet the blind date introduced by my classmates and comforted and encouraged each other when I was lovelorn.

After graduating from college, she went to Shenzhen to be with her big brother. She is bold, aggressive and proactive, and her career is developing well.

With the support of her brother, in less than two years, she bought her own house by mortgage in her brother's community.

After I told her to borrow money, she replied in less than 2 seconds: no money. Especially cold, without hesitation, clean, without any carelessness. ...

At that moment, time froze. I stood there and didn't know how to reply to the text message. I feel disappointed, ashamed and sad. ...

Since then, although we have each other's WeChat, we haven't contacted each other for four years. I didn't inform her when I got married, for fear that she would think I was greedy for her red envelope.

I am narrow-minded, and I have always been bitter about what happened in those years. I blame her in my heart: our relationship is so iron and you are so good. I have never borrowed money from you. Just this once, you refused at once, and you didn't bother to make up an excuse to leave some dignity for our relationship for many years.

One day, she suddenly took the initiative to chat with me on WeChat, telling me about her experiences over the years and asking me about my recent situation. We recall the past days like friends who have lost contact for many years.

I recall the underground casserole shop near the university, strange cakes, pancake fruit, walking back to school from the railway station in the early morning to save the bus fare of 1 yuan, and almost losing my ticket to the scenic spot, and the stupid experience of climbing the train from the window together in the winter vacation snowstorm in 2008.

At that time, we were poor, but we were very happy and confided in each other.

Years of resentment suddenly relieved, and we tacitly didn't mention it again.

Later, she inadvertently revealed to me that in those years, her relatives, friends and village neighbors all asked her brother for money, and her brother borrowed hundreds of thousands because of face, but no one paid it back.

Sister-in-law makes trouble every day for this matter. In those years, her family was really afraid of borrowing money, which explained the rudeness of that year.

I always reflect on whether it is wrong to borrow money from her. ...

Borrowing money from others is not entangled, and another point is that you can't kidnap morally. This is my mistake. Morality kidnapped our friendship for many years and borrowed money from her.

Think about whether we often make such logical mistakes. If we have a good relationship, you should lend me money; If you live well and I am poor, you have to lend me money; When I help you, you have to lend me money.

But this idea is very utilitarian and selfish. Isn't the relationship between people good because of the mutual attraction of personality and the consistency of three views? But just to borrow money?

Our kindness to others is not because of our kindness, but for the return of others one day.

Should the rogue thinking that I am poor and weak and reasonable be completely abandoned?

Now, we still have a lot to talk about, but when it comes to money, we will tacitly avoid the topic. If something goes wrong, I won't borrow money from her again. Isn't it more convenient and quick to get some credit cards?

Money is hard goods. The inspiration of adults begins with making money and saving money.

Needless to say, I transferred from Alipay to 10000.

The third person I borrowed money from was my colleague. We used to be a group of companies belonging to different branches of the same enterprise. We met only after pre-job training and worked together for a year.

He is shy, introverted and taciturn. Internship together for a year, the relationship is very good, but nothing is said.

After being rejected by Mix, I was disheartened. I thought of him and was embarrassed to call him, so I sent a message. I didn't expect him to call and ask if 10000 was enough. I said enough. He immediately transferred 10000 to Alipay, telling me not to return it in a hurry, saying that he was in no hurry.

However, I still paid it back in three months. I am the kind of person who owes people money and can't sleep well. When I don't owe money, I spend a lot of money, but I have the motivation to save money.

Because we are not in the same company, we have little contact now, but whenever I think of him, I will think of him and the warmth he brought me when I was most helpless and sad.

People who are willing to lend you money in difficult times are noble people, and those who are willing to lend you money without making an IOU are even more noble people.

Some time ago, we met again during the systematic training. We hit it off and talked for a long time. I talked about borrowing money from him in the past and laughed at him: aren't you afraid that I will run away without even writing an iou?

He replied: I forgot to lend you money if you didn't tell me. I know you, you won't run away, because you won't be stupid enough to tie your heart for a mere 1000 yuan for a lifetime.

To put it bluntly, you are not the kind of ruthless person who is maverick and bent on his own way, giving up the moral bottom line for petty profits and not caring about secular evaluation.

A true confidant never needs too much greetings, too much effort to maintain and too much effort to create a person's design. He is the one who knows you best.

Friends, have you ever experienced an emergency when you are short of money and ask others for money? Do you remember who lent you money? Have you ever failed the people who lent you money?