People ask you why you refuse to borrow money.

Others can refuse to borrow money from you in the following ways:

1, exchange small for large: the so-called exchange of small for large means that someone borrows 10,000 from you, and then you say that it is only 3,000 or 2,000, so you can give it to others if they can't borrow it. This has the following advantages. First, let the other party know that it is not easy to borrow money. Don't treat you as a fool, as an ATM, and borrow money from you when you have no money. When the other party finds it difficult to borrow money, it will reduce borrowing money. Second, reduce your own risks. As I said before, borrowing money is the touchstone of the relationship between two people. If you lend him money, he will think you are not bad. If you don't borrow it, you may offend people. As far as you can afford, it is absolutely right to borrow less money and maintain a relationship. Even if it's not returned, it's nothing. Third, it is possible that the other party won't borrow it, and neither side is embarrassed. It's not that you don't borrow it, but that you don't borrow too little. It's not my fault.

2. Cry poor: It is unwise to refuse if you don't want to lend money to others. This way is very disgusting. At this time, it is better to have a "miserable game." "You know, I have to pay my mortgage, car loan and decoration loan every month. My son just went to kindergarten and my wife has already jumped ship. At present, she is still resting at home. My parents in my hometown are not feeling well. Wait a bunch of words, so say, maybe the other party will give you some money to help you! Someone should say that this is not kind! Of course, this is a bit unkind. Help if you have money, and help if you are busy! If you have no money, then don't pretend to be fat. If you have no money, you have to borrow money, or you will end up losing money.

Transfer method: the so-called transfer method is to find a way out for the other party! For example, your colleague Xiao Zhang asks you for money, but you don't want to lend it to him, but you don't want to refuse it directly. What should I do? Then show somebody else Xiao Zhang the way. For example, you tell him, "Our company can get paid in advance! Don't you know? If you don't have enough money, just write a note to the finance office to pay for it. " Four or two, easily transfer the topic to other places.

Pledge method: Many times, the main reason why people are unwilling to lend money to their friends is to save face! I don't think it's interesting enough for friends to borrow money to write IOUs or say something. In fact, this idea is wrong, which shows that you are a good-looking and selfish person. To put it bluntly, I just don't want to help my friends If you want to help a friend, you should follow the formal procedure of borrowing money. You should write an iou, and the pledged property should be pledged. If you lend money to others with no interest or low interest, then you are actually a friend! I'm sure the person who lent you money will also thank you.