How to politely refuse a friend's request to borrow money?

I think a lot about this question, because I often borrow money from my classmates to make a living, buy a house and borrow it when my living expenses are tight during my doctoral studies. However, students and friends usually provide their support. Some of them were expected to lend me 3W, but in the end they only borrowed 10000. When the money was enough, they would be paid back soon (I took the provident fund), some for half a year, some for a few months, and some for more than a year twice. But at every node, I will take the initiative to send text messages to tell each other that I still owe each other money. Money is not plentiful now, so I can't afford it.

Back to the question. In view of the fact that the classmate mentioned by the subject borrowed a little from the east and borrowed a little from the west and didn't pay it back, the amount was not much, so I was embarrassed to ask for it. I think the main problem is that the economy is well-off, so don't worry about a few hundred dollars, treat it as charity, because after all, you used to be friends and classmates, and your friendship is definitely more than a few hundred RMB. It's better to go out for a big meal now, but the communication behind it may be a little lighter. Try to keep your distance, and don't be shy when these students borrow from you in the future. If I borrow it from you again, I guess I'm thick-skinned, so I can ignore it. If the subject is not well off, you can remind the other party by innuendo and give more hints about buying a house recently. Students with normal EQ and IQ should be able to understand.

Let's talk about how to politely refuse. First, look at the intimacy of your relationship. If you are close friends and sisters who study and sleep together in the dormitory, you should try your best to help them within your own ability. But it doesn't matter how much the other party borrows from you. For example, if the other party borrows 1000 yuan from you, you can give him a discount and lend him 5000 yuan or 2000 yuan. Anyway, it is not a refusal, but it can be said that my family is in urgent need of money recently, the children have to start school to pay tuition fees, and the new house needs to be renovated.

If it is not particularly iron, you can adopt the following strategies to refuse: First, ask in detail, what are you borrowing money for? what are you going to do？ Anyway, if you keep asking in detail, calling repeatedly for verification and saying, "I thought WeChat contacted me as a liar", as long as you have enough patience to confront him, most people will not borrow it again. More often, WeChat and SMS contact you to borrow money. If it is not a particularly intimate relationship, it can actually be ignored, because there are too many fraudulent information now. Asking for details is absolutely effective for girls, but it may also lead to alienation from this classmate or friend in a sense. Boys pay attention to the loyalty of their buddies. Many times, people who borrow money are trying to save themselves. They always lend generously. I regretted it after borrowing it, but the goose was embarrassed to ask for it.

Secondly. If you insist on borrowing money from you regardless of your detailed questioning, the answer is that you have never seen such a cheeky person, and you have no dignity at all, because hundreds of dollars can withstand detailed questioning. If this happens, the only possibility is that you are really in trouble. The so-called emergency is not to save the poor, but to help as much as possible.

Finally. Be a low-key person. Don't show off in front of classmates and friends when you earn some money, let everyone around you know that you have money. Nowadays, the rich people in society don't look like rich people at all. They take a bullet train and wear 200 ordinary clothes. Really rich people have always kept a low profile, and only rich people will show off their wealth. Let the students around you feel that you are not particularly rich, and you earned your money. In this case, they won't borrow money from you easily, and they will definitely pay it back in time unless RP is super bad. Such a student might as well curse silently and sever the relationship.

First, you have to have money to borrow.

0 1

A friend I haven't contacted for several years sent me a message:

"Are you there?" "yes."

"Money is tight recently, lend me some money."

I was fooled after listening to it. It sucks.

Answer decisively: "Yes."

"Lend me 2000." "yes."

"What's the matter with you?" "yes."

"Depend, reply automatically!" "That's right."

"……"

02

My roommate paid a month's living expenses,

There's not a penny left in three days,

Brush our cards for dinner.

I mean, our parents didn't get their money with slingshots,

I have no obligation to brush it for you every day.

I have a roommate's WeChat, and I hope to forward it to her.

03

A reliable friend,

As long as I can borrow money, I will give it.

Unreliable friends borrow money,

Even with me, I won't borrow it.

(So, friends, always be reliable! )

04

Hey,

Look at the burning clouds in the sky,

Is it like 100 that Yuan You borrowed from me last time?

……

05

Ask for money, easy to say ~

Give me information and I'll give you a loan!

06

I wanted to borrow it from you. ...

A brother who has known him for more than 20 years needs to turn over his business. He asked me for money and promised to pay it back to me within three months. There was no spare money in hand at that time, only three credit cards. I gave him both the card and the password and told him to brush it himself.

I received a text message in the afternoon and brushed 30 thousand. He called me and said that someone would give me the card. I haven't asked him much since then. A month later, WeChat asked me if the money was urgent. I said no hurry. Give it to me at your convenience.

After less than a month, he asked me to drink. There were only three people at the wine table, me and him, and a three-generation family friend of my family, who grew up playing together.

At first, he never raised money. After three rounds of drinking, the brother who borrowed money said, "I only borrowed money from two people, one is you and the other is him." I know I can definitely borrow it from you, and I'm not afraid of losing face. " (Businessman's face, haha), the three of them drank together. I drank until the wee hours.

The next day, he sent someone to deliver 32 thousand. I called him and asked him how he got two thousand more. He said it was interesting, and I said no. He refused to give me my 1300 fruits until he bought them. I gave him a red envelope of1300,700, and he returned it. I gave them and took them back. After playing Tai Chi for a long time, I finally got rid of them.

The photo was taken on 1996.

After this incident, we drank again, and no one mentioned borrowing money again. I don't want to take credit, and he doesn't feel the need to thank him. We don't usually get in touch, but we'll get together for a drink in a month or two, brother. It's that simple.

Some people just ask, and some people don't need to ask at all, do they?

It happened to me. I want to cry. I work in Xi 'an. A friend of Xi 'an lives in a village in the city. Seeing that everyone in the village had built houses, he and his father were also afraid of losing face, so they asked for a bank loan to build a house. Their village is relatively remote and really only lives on the second floor. They were speechless. Then they borrowed money from me on June 20 16+08. I borrowed a childhood friend 1w from him. After that, the woman borrowed more than 3w from his mother. He borrowed it from his relatives, borrowed 5 thousand from me and lent you money. You should be grateful, but there are countless reasons. I don't know why I became sick and allergic two months after lending him money. I spent more money than I lent. The previous company didn't make money for half a year, but I made money in the first year. I have just changed to a new company for less than four months. You have to pay a deposit to buy products, and it costs more than 5000 yuan a day, which was saved before. My allergy has healed, I have a bad cold, and my tonsils are inflamed and swollen ... When I finished my 65438+ February, I told him that I needed money, I had to pay the rent, and I wanted to buy some new year's goods and go home immediately. I promised very well. At the end of last month, I cheated on him and said that I was pushing him and urging him. I never felt embarrassed. I am really speechless. Others owe him money, ask for an account and get yourself into the police station three times! ! ! I wanted to ask my father for money after I said it, but later I went back on my word and said that my father could not know that he was borrowing money outside. Ironically, your loan is about to expire, and your father asked you to pay it back, and he tried to know with his toes that you borrowed money. If I can't talk to him, I'll divert my attention and talk to his childhood friends. I know she will tell him. I didn't go back for the Spring Festival this year, so I made an excuse casually and didn't dare to tell the truth to my family, otherwise I would have to scold me to death. Because I didn't go back, I bought some new year's goods and sent them home. My grandmother called me and scolded me to death, saying that I had no conscience. Fortunately, my popularity is still good. Several fellow villagers, a big brother and a sister lent me money to solve it years ago, otherwise I didn't cry. I have no money and no ability to follow the trend, and I have made myself so miserable! The week before, I forced him to sell Apple 6 and asked him to give me change after change, but half of it was not returned. Sometimes, if you are not cruel, you really think you dare not do it. He uses his fist, and I use my brain. It's my grandfather who borrowed money these days, and it's my grandson who wants money. Don't borrow money easily. If you want to borrow it, you'd better know where his home is, write an iou and put a fingerprint on it, and then go directly to your home. The following is, er, a conversation with him and his childhood friends. When the money is returned, I will be blacked out directly. I don't want to make such friends. The order is wrong, you can make do with it.

Shakespeare once said that when you lend money to a friend, you often lose both. Want to politely refuse to borrow money without hurting feelings? Today, the prince will give you some advice.

No.65438 +0 strokes reverse borrowing

Use the principle of reciprocity, make an agreement first, and then borrow some money from each other from time to time in case of emergency. If you refuse, the other party will be embarrassed to speak next time; If you agree, it is equivalent to indirectly recovering the money.

The 22nd move is the shield.

If you get married, say that the money is on your husband and wife; If you are still in love, say that the money is on the other half; If you are still single, say that you should honor your parents recently. The core of all the above is to find a buffer; It doesn't hurt feelings, and it won't make you feel bad.

Zhendong: My brother has something to do at home recently. I want to borrow some money from you to turn around. Not much, 80 thousand

Tianle: Yes, my wife takes care of my money. She put it in a time deposit, and I'll take it out for you. Do you think you will be free the day after tomorrow?

Zhendong: Free.

Tianle: Then you can call my wife in the future and make an appointment to get money for you.

After the meeting, you can ask your wife to tell you all the things that are inconvenient for you to say, such as interest, IOUs, and the time to pay back the money.

Yan Xi: Zhendong, you want to borrow money, right? No problem, Tianle told me. Is one year enough? We want to celebrate my mother's birthday next year.

Zhendong: Almost, one year is enough.

Yan Xi: OK, you write an IOU the day after tomorrow, and we will go to the bank to bring you money, so that I can explain it to Tianle. Every time, he said that our family's accounts were in a mess.

Zhendong: OK, thank you, sister-in-law.

The 69th trick is to pretend to be poor.

Construct a weaker image than the other person, such as "I still owe others money" or "Nima, I just want to borrow some money from you to exercise. It turns out that we are good brothers and can be short of money together. Come and have a drink and tell your brother what's going on. "

The 88 th trick local tyrants

"Let's brotherhood so good, talk about what to borrow? ! Although my buddy is not well off, here is 200 yuan. Take it ~ don't mention money again! " Of course, 200 yuan is empty, depending on your actual situation.

The 99th trick is to turn around.

Excuse me: Are you there?

A: Yes.

Excuse me: What's the weather like there?

A: If you are well, it will be sunny.

Borrow: Haha, you are still so humorous. Ok ... actually, I want to tell you ... money is a little tight recently.

A: Take your time and let your soul keep up.

Excuse me: well, how can I care about my soul when I can hardly eat?

A: If you know where you are going, the whole world will make way for you.

Borrow: I want to rob a bank. Will they make way for me?

A: You have suffered too much in your life.

Borrow: I'm still serious

A: Just live your life the way you like.

Excuse me: well, I like the lifestyle of the rich ... can you lend me some money?

Don't worry, you'll get all the years you want.

I can hardly afford the rent. Can you relax?

A: May your choice be worthy of your suffering.

I have no fucking choice.

A: You are only responsible for the wonderful, and God has his own arrangement.

Borrow: lend me some money to improve my life, maybe it will be more exciting.

A: Don't let your future self hate your present self.

Borrow: at this rate, it is still a question whether we can live to the future.

Your suffering will light your way.

Borrow: It's true to light my way to the grave.

A: Some roads can only be taken by one person. In the deepest despair, meet the most beautiful accident.

Borrow: Come on, I'll borrow a thousand, or 500 ... I'm about to cry. ...

A: People with red eyes are never old.

Borrow: Do you want to borrow it or not? Give me a happy word. ...

A: You should always believe in yourself, even if the whole world turns away from you.

Borrow: that's enough, stop talking nonsense!

A: As long as you are alive, something good will happen.

Borrow: Forget it, I'll hack you. ...

A: We are all the same, each with its own light. Growing up has to go through thousands of swings. You have to believe that there is no unattainable tomorrow. I only hope that you can be treated gently by the world. ...

The ultimate move!

I once borrowed 50,000 yuan from a friend for emergency and promised to pay it back in three months. After two years, I couldn't hold it any longer, so I called for payment. All kinds of excuses, all kinds of reasons, in short, there is no money. Finally, I said that I was not interesting enough, and I was not short of money because I was aggressive. Sister replied, if you don't pay back the money, chop down and chop down people. After three years, I finally paid it off.

I have never asked anyone for money, and no one has asked me for money. She was the first and last. I was sincere when I lent it to her at first, and I was sincere when I urged her later. If I can turn my face because of money, I will turn my face sooner or later.

If someone asks me to borrow it in the future, it is really difficult to give it to her directly, and there is no need to return it. Just call it soft, kind and compassionate.

If it's beyond what I can give, in a word, no money, to put it mildly. As for why there is no money, that is my business, and I don't need to explain it to you.

If you owe money, please clear your debt as soon as possible. Live a lifetime, or talk about friendship and conscience. After all, people who are willing to lend you money once valued you more than money.

I met a friend I didn't know very well and asked you for money.

How can I tactfully not borrow?

Without hurting feelings?

I've compiled a few tricks that many people are used to.

Most people refuse their friends to borrow money.

↓ ↓ ↓

The first measure: reverse lending

Agree first, and then borrow some money from each other from time to time in case of emergency.

If you agree, it is equivalent to indirectly recovering the money.

If he refuses, then he has the right to feed the dog. ......

↓ ↓ ↓ ↓

Friend: Dude, something happened at home. Can you borrow some money for emergencies?

You: OK, how much is it?

Friend: 1000

You: No problem.

N days later ...

You: Dude, I have some problems recently. Can you lend me some money ... (poor)

You: Are you there?

↓ ↓ ↓

The second trick: shield

If you have a date, say the money is with the date.

If you are still single dog, you should be filial to your parents recently.

The core point-find someone to buffer.

↓ ↓ ↓ ↓

Friend: Dude, something happened at home. Can you borrow some money for emergencies?

You: I'd like to help you, but my wife has taken all the money.

You: My wife specially approved 520 yuan the day before yesterday, and as a result, a red envelope was gone ...

↓ ↓ ↓

The third measure: pretend to be poor

Find out why you borrowed money from your friends,

Then compare who is worse than who.

Speaking of each other, I'm sorry to borrow it from you

↓ ↓ ↓ ↓

Friend: Dude, something happened at home. Can you borrow some money for emergencies?

You: You are a good brother. I'm dying recently, and I'm going to ask you for help. What's the matter with you?

Friend: Barabara …

You: Barabara …

Friend: Brother, let me lend you some money.

↓ ↓ ↓

The fourth measure: pretend to be a local tyrant

Who's following who? What are we talking about?

↓ ↓ ↓ ↓

Friend: Dude, something happened at home. Can you borrow some money for emergencies?

You: We have such a good relationship that we can't borrow it!

You: My buddy is not rich either. I'll remit you 200 yuan tomorrow. You can use it first.

You: Never mention money again.

You: Who told me who was in a hurry!

↓ ↓ ↓

The fifth measure: circle.

You talk about things, I talk about things, you talk about borrowing money, and I talk about life with you.

The core meaning-don't pick up your words

↓ ↓ ↓ ↓

Friend: Are you there?

You: Yes.

Friend: What's the weather like there?

You: You are fine, it is sunny.

Friend: Haha, so humorous. Actually, I want to tell you that I'm a little short of money recently … Can you …

You: Don't worry, you'll get all the years you want.

Friend: I can't even eat, and I can't afford the rent. Can you relax?

You: Please believe in God's free arrangement, and your suffering will light your way.

Friend: It's true to light the way to the grave.

You: Some roads can only be taken by one person.

Friend: Do you want to borrow it or not? Let me know.

You: You have to believe in yourself. Everything will pass.

Friend: That's enough, cut the crap! I don't have you as a friend from today.

You: ...

↓ ↓ ↓

The sixth measure: see the move and dismantle the move.

Let me laugh secretly.

↓ ↓ ↓ ↓

Friend: Dude, something happened at home. Can you borrow some money for emergencies?

You: No problem.

Friend: Thank you. Thank you.

You: I have a good project with millions of dollars in my hand. I can say for sure ... if I do well, I can make money. ...

Ha ha laugh

Weibo: Youth inspirational self-cultivation

Dear friends, give some advice. My ex-boyfriend called me one night and said that he had something urgent to borrow money. I gave it to him, and then of course he returned it to me in the evening. There are hundreds of dollars left. Give me one day. Then something happened to him, and I couldn't bear to see him without money.

I'll give you his 800 again, which adds up to 1500. Actually, I'm not asking him to pay back the money, but his attitude is really unacceptable to me.

Everyone in WeChat will disappear after the phone is refreshed. Before I sent him a message, it was like deleting me. Later, I sent a text message to add him back, and now it has been deleted. I just think it's ridiculous. Only 1500 yuan. It's not a question of how much. As for deletion, is it ridiculous for a big man to behave like this? I was stupid, too, thinking that two people were together. Every time I gave him a red envelope, he said that he wanted a red envelope after the holiday, but he never gave it to me once. It's not about money. Boyfriends always ask for red envelopes like girlfriends, and it's okay not to give them to her. At that time, he thought he was getting married anyway, and money was nothing, so he did it. I didn't expect him to be such a person. He talks about everything. There is no actual action, I don't want it back and I won't want it.