A man asked me for money and I didn't want to borrow it. How can I refuse?

1. The first point of calling instead of texting is to show that you value the other person, not 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. Business dealings One of Party A and Party B said that although business dealings are definitely mutually beneficial, otherwise there would be no business dealings. The daily communication between friends is naturally equal, but once a person asks for money from the other party, she will unconsciously be at a disadvantage. If she doesn't call you directly for help, then psychologically, first, she thinks she can't speak, and second, she thinks you may refuse her. 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. When you borrow money, you basically send text messages instead of calling. Among the friends who rejected me, only one friend called me back immediately after receiving my short message. Not only did I not blame him, on the contrary, I understood and appreciated him. I think, if there is any order in the future, I will not hesitate to help him if I can help him. Sometimes, what we need is not only money, but also a kind of inner comfort, a feeling of mutual understanding and care between friends. 2. Be honest with each other, directly analyze that if you meet relatives and friends who borrow money, you really can't help, honestly explain the objective situation, and it is a good idea to refuse directly. Of course, the premise is that the other party can agree, which will not hurt feelings, but also deepen mutual understanding. Oh, it turns out that we are all the same, 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. As long as you are honest with each other, your classmates and friends will not laugh at you, let alone hate you. Of course, don't be too high-profile and show off your wealth. 3. Transfer 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? 4. In this era when wealth management products have been purchased, who has any money left? Let it go to Qian Shengqian to find a way out. It can be said that I just bought a wealth management product for half a year, one year or two years, depending on the urgency of the other party to borrow money. If the other party is in a hurry to borrow money, say the term is shorter, if it is not particularly urgent, say it is longer. In short, when he needs money, you just put it in the bank and can't take it out. Anyway, it's such bad luck. "I wish you had told me 10 days in advance." What a pity, O(∩_∩)O haha ~ 5. If you don't want to lend money to the other party recently, you can tell him that your budget is relatively large recently. It can be said that you are preparing to buy a house and a car. It can also be said that your brother and sister are looking at the house and you need support. It can also be said that your mother-in-law has taken care of your child for several years and has decided. In short, these things have long been drawn up, and they are relatively large expenditures, so the other party is naturally embarrassed to borrow money from you again.