My friend borrowed money from me. How can I politely refuse?

Because of life, study and work, everyone will make a lot of friends. According to the strong feelings, everyone will classify the friends they know, such as girlfriends, good buddies, good friends and friends of gentlemen. Of course, when friends are in trouble, they need help from each other, such as lack of money and need to borrow money from you. If your relationship is not very good, or for other reasons, you don't want to. The following is how to politely refuse a friend's request to borrow money, which Xiaobian compiled for everyone. I hope it will be useful to everyone.

1. First of all, you need to know why your friends borrow money.

When your friends borrow money from you, they will definitely not directly ask, Do you have money? Lend me some. When I borrow money from you, I will be prepared in advance. For example, I will make a good statement, or I will make up the reasons for borrowing money. Then I will call you or borrow money from you directly. I can understand the reasons for my friend's borrowing money through his words, even if I can't tell the truth from the falsehood.

2. Don't refuse at the first time

When a friend asks you for a loan, you should not refuse at the first time, since you have taken pains to prepare. You can spend some time listening to the other person's reasons for borrowing money, and at the same time give yourself time to think about the reasons or preparations for politely refusing.

3. You can complain about the low salary in front of your friends.

When you refuse to borrow money from your friends, you can complain in front of your friends that your current job salary is too low, and that the boss is so stingy that he gets so little salary after doing so much work every day. When your friends listen to your complaints, they should not ask for money from you again except to comfort or agree with you.

4. Settle accounts in front of your friends

After understanding your friends' difficulties, then change the subject, and then bring it to the account of your life and expenses, and then calculate your daily or monthly income and expenses in front of your friends. It is best to make ends meet, and your friends should also give up the idea of borrowing money from you after understanding your situation.

5. Telling a friend that he still owes money to others

This is the best trick. When a friend borrows money from you, he will ask you for it because he thinks you will have some money left. When the other person knows that you have no money left, he will be even more embarrassed to ask you about borrowing money, and even feel ashamed.

6. Compared with friends, shouting poverty

Everyone's life is not easy, and they will encounter many difficulties. When friends tell their own difficulties, you can also tell them what happened to you that is worse than their friends at the same time, or what is more difficult, so that friends feel that their difficulties are so insignificant, and they are even more embarrassed to mention borrowing money.

7. Give advice to a friend or the direction of borrowing money

After a friend politely refuses to borrow money, you can also give advice to a friend. For example, the last time someone borrowed money from someone who didn't have it, he should have money. You can ask him. You only know someone who borrowed money here, so that his friend will think that even though you don't have the money to lend him, he will help him find a way, so that his friend will not be born because you didn't lend him money.