How to refuse a loan request from a strange colleague?

Many people feel embarrassed when colleagues borrow money. It doesn't matter whether you borrow it or not. In fact, colleagues will have skills when they borrow money. You must know these three skills in advance, otherwise it will be easy to be embarrassed.

Be clear about your attitude. If you want to borrow money, please write an IOU. If you don't, please tell me the reason why you don't. When a colleague asks you for money, you must first make a clear attitude. If you want to borrow money, yes, then you must return the loan first. If you don't want to lend it to the other party, please tell the other party not to borrow it yourself. Although this method is somewhat unsatisfactory, it is also aimed at not harming its own interests. After all, many colleagues are not friends and it is easy to borrow money, so once a colleague resigns, it is easy not to pay back the money. This is very common. Therefore, when colleagues ask you for money, please don't agree too easily. You must think it over. When you feel unfamiliar, you can refuse directly. When you know each other well, you'd better write an iou. If you don't borrow money, you don't have to keep trying. Just tell your colleagues not to borrow money. If others are angry, make others angry. If you have to consider other people's feelings in everything, how happy will you be when you are still alive?

Check whether the other party has repayment ability and return the risk. When a colleague asks you for money, you need to check whether the other party has the ability to repay. If the other party often swipes a credit card and spends money relatively quickly, but is unable to repay it, then you should not lend it to the other party. When the other party is unable to repay, your money is easily wasted, so you must refuse. When you think the other party has repayment ability, you can lend it to others. Before others borrow money, you must assess their risks. Don't do anything risky, let alone take risks. After all, everyone needs to live. Everyone needs money.

If you don't want to borrow money, you can find a reason. When a colleague asks you for money, if you don't want to borrow money, but you don't want to refuse it directly, you might as well find a reason to politely refuse your colleague, so that you won't hurt your feelings and lend it to your colleague. Therefore, when a colleague asks you for money, you may think of a suitable reason and politely refuse. This is the most commonly used method by many people. In our daily life, we must be careful of ourselves and not be too pragmatic. Many people don't want to get a lot of money back because they don't want to refuse others. Of course, when you lend money to others, you must trust others. If they don't pay back the money, it's not worth making friends with such people.