Should I lend money to others during the epidemic?

The impact of this epidemic on everyone has obviously been seen, but the deeper impact is not simply physical health, but the economic level. In the past two months or so, I have heard a lot about company closures and personal financial difficulties.

I believe that private lending will emerge one after another, and I met it once recently.

When he contacted me on WeChat, he didn't come straight to the point, but first said that his parents' kitchen had recently burned down and needed to be renovated. I didn't care at that time, just a courtesy greeting. He finally borrowed money from me the next day. ...

I am embarrassed to see such a request, because I tend to think rationally in most cases. My analysis of this requirement is as follows:

First of all, he and I are only casual acquaintances. This friend hasn't contacted me for a while. I just met in a class and added WeChat. Plus they don't live in the same city, and they don't have much in common with each other.

Secondly, his reasons for borrowing money are inconsistent. First of all, my parents' kitchen is on fire and needs redecorating. The next day, I said that my sister and cousin had a debt relationship. If he really has financial difficulties, there should be no such complicated situation.

Finally, he said that the time to repay the debt would be after July, which was his estimated time, because the epidemic might be over by then. But from my personal view of the epidemic, the time for the whole society to return to the pre-epidemic state has not yet been determined. Some words are not suitable for me to say in public like the internet. It is unknown how much he thinks he can compensate after July.

In addition, according to the degree of my relationship with him, I am now reduced to asking for money from me, or I am ready to give up my relationship (for example, I will not be able to pay back the money or even delay it, which will not cause him too much bad influence, that is, loss). Another possibility is that his financial situation is extremely deteriorated, and everyone around him has borrowed it, so he can extend the boundaries of personal resources and borrow money from people like me who are usually "out of touch".

Based on this judgment, I will "let the bullet fly for a while" first. This is a good strategy. Many people like to respond immediately, but it depends on the situation. Sometimes it is smart to deliberately "delay". On the one hand, I need time to think and make decisions. "Make a decision" is not necessarily a good decision. On the other hand, give the other person a buffer time, and maybe he will change his mind.

I didn't have my own answer until he asked about it the next day.

Did you notice the sentence inside-the worst result is overdue penalty interest.

Therefore, this verifies my above judgment: to the extent of my relationship with him, I am now reduced to asking me for money and ready to give up my relationship.

Is that my value to him is not as high as those penalty interests. On the other hand, my connections are dispensable, and he doesn't care. He would rather give up my WeChat friends than pay interest.

So, I simply replied to him: "Never mind, I can't lend it to you."

Sometimes, network resources cannot be equated with money. More importantly, network resources need long-term management.

Many people are busy with their own careers, even if they have time and energy. They don't know how to give others "value" in time or try their best to help others. How can others help you when they really need help?

The epidemic has inspired me in many ways, including how to manage my own network resources and whether it is necessary to eat and drink Lazar as before.

During the time when the whole country was isolated at home, I made several plans for myself, one of which was to manage contacts. The method is also very simple: batch WeChat friends, determine 1-2 fixed time periods every week, and concentrate on contacting one by one.

Even a simple greeting is better than the New Year's WeChat (I personally don't like to send New Year's WeChat in groups, and everyone's WeChat can be specially edited to send corresponding content, which is more sincere).

like this ...

Others will think that you can think of him at this critical moment, and naturally you will be "grateful and really touched."

this ...

This is a friend of mine in Wuhan. On the surface, he said "everything is fine, thank you", but at that time, his heart was fragile. In the afternoon, he told me more about his difficulties, and I immediately called to say hello. At this time, the power of sound is more important than words.

And this. ...

This friend originally just went back to his hometown for the New Year, but he had to be isolated in his hometown because of the epidemic. I know he has been away for too long this time, and he has long wanted to go back to Shanghai to return to work. When the situation gradually slowed down and I greeted him, it happened to be the day when he returned to Shanghai for isolation, so we made a phone call and the other party was very happy. I'm sure he will feel "what a coincidence, this is fate", but in my opinion, it's just that I always remember the good of others, and coincidence is inevitable.

And two weeks later (this plan has been done in advance), I greeted him again, and it was time for him to end his isolation. Because I knew he needed to deal with moving and other matters next, but he didn't have a car, so I volunteered to tell him that I was willing to help. Even if my words really can't help, others will bring back many memories (many years ago, when he graduated from Fudan, I also drove to help move out of the dormitory), so remember my kindness.

I still have many such ways of networking, each of which is unique and different. The key is whether you think hard or not.

When you are really in trouble, take care of yourself, and others are willing to help you. This is also an equivalent exchange. Never do something that says "someone is in trouble, but no one is fine".

Finally, I'd like to borrow the last line from the first episode of my favorite American drama House of Cards: Give and take, welcome to Washington!

Pay first and then take back, welcome to the real world!