How to refuse someone to borrow money?

You can use the following methods to refuse when someone asks you to borrow money:

1. Exchange small things for big things: The so-called small things for big things mean that someone opens his mouth and asks you to borrow 10,000 yuan. Just say that you only have 3,000 or 2,000, and you can’t just give them as much as they borrow. This has the following benefits. First, let the other party know that borrowing money is not easy. Don’t treat you as a scapegoat. The ATM machine is out of money. Just ask you to borrow money. When the other party finds it difficult to borrow money, they will reduce the number of times they borrow money. Second, reduce your own risks. As mentioned above, borrowing money is the touchstone of the relationship between two people. If you lend him money, he will think that you are a good person. If you don't lend it, you might offend someone. people. It's absolutely right to borrow less money and maintain a relationship within what you can afford. Even if you don't pay it back, it doesn't matter. Third, it is possible that the other party will not borrow it, and neither party will be embarrassed. It is not that they don’t borrow it, but that you don’t want to borrow it because it is too little. I don’t blame you for that.

2. The method of crying poor: If you don’t want to lend money to others, it is unwise to refuse it directly. This method will offend people. At this time, it is better to have a "misfortune contest" and "you You know, I have to pay off the mortgage, car loan, and decoration loan every month. My son has just entered kindergarten, and my wife has changed jobs again. She is still resting at home. My parents in my hometown are not feeling well. I just had an operation last month, and I just gave my family 30,000 yuan. Alas, life is not easy, and everyone is carrying a heavy load!" Wait for a bunch of words, and if you say this, the other party may take the initiative to help you. Money is here to help you! Someone should say that this is not very kind! Of course, this is a bit unkind. If you have money, then help! If you don’t have money, don’t try to make yourself look fat. If you don’t have money, you have to borrow money. Otherwise, you will be the one who suffers in the end.

Transfer method: The so-called transfer method is to find a way out for the other party! For example, if your colleague Xiao Zhang asks you to borrow money, and you don’t want to lend it to him, but you don’t want to refuse directly, what should you do? Then you can give Xiao Zhang a clear path. For example, you say to him: "Our company can withdraw wages in advance! Don't you know? If you don't have enough money, just write a note to the finance office and make an advance of the following." With a little effort, he can easily change the topic elsewhere.

Pledge method: Many times, the main reason why people are unwilling to lend money to friends is to save face! I feel that it is not interesting enough to write an IOU or make some explanation when borrowing money from friends. In fact, this kind of thinking is wrong. It shows that you are a face-saving and selfish person. To put it bluntly, you just don’t want to help your friends. If you want to help a friend, then follow the formal procedures for borrowing money. If you need to write an IOU, write an IOU. If you need to pledge property, pledge the property. If you lend money to others with no interest or very low interest, then you are actually a good enough friend! I believe that the person who lends you money will also express his gratitude to you.