What if a colleague borrows money and doesn't pay it back?

I will choose not to lend money to my colleagues and friends. Because the relationship between colleagues and friends is not clear, they may not know when they will become strangers and when they can exchange money, so when colleagues and friends need to borrow money, I will not borrow money, but will politely refuse him.

1, which means it is difficult to refuse politely.

Colleagues or friends borrow money from me, and I will say that I want to help you, too, but now my own money is directly managed by my family, so I can't collect that much money. Usually this kind of situation is actually very common in real life. It is also customary to stop and stop with your family, and the other party has nothing to say.

Or I can just tell my colleagues and friends who want to borrow money to plan a trip. And it usually costs a lot of money. You really can't lend it to others to euphemistically express the current economic situation. I believe that if the other person is a smart person, he will understand this in his heart and then shrink back.

2. Give him advice.

When someone borrows money, it doesn't mean that they really have no money, just borrowed money. I don't know when I can return it. After all, no matter how much money I borrow, I will feel uncomfortable. And if sometimes there is an urgent need and it can't be recovered temporarily, then I don't know what to do. Therefore, when a colleague or friend borrows money, I can ask him if he has encountered any difficulties recently. This tone of caring about each other first will at least make my colleagues feel my concern, and then give her a weapon to shift the target from me to others, but this method has certain risks.

3, you can borrow, but you should lower your expectations.

If you meet a colleague who has to borrow it. Then we can only try to reduce its lending limit, for example, a colleague asks to intervene 1 10,000 yuan. It can be said that you don't have that much money at hand, so you can give it to him first 1000 or 2000 in case of emergency. And don't worry about paying back the money, it will also be really helpful, even if he doesn't borrow much money, he won't blame me.

Directly equivalent to controlling the money within your control, even if you delay payment for a long time at the same time, it won't have much impact, and you have already lent the money to the other party. Without enough funds, there is nothing we can do.

In fact, in any case, colleagues will ask for money, and whether they borrow it or not, they should not be so direct. Borrowing money now is actually inevitable. We can see people's hearts clearly. When you borrow money, you should look at people's hearts, and when you pay back money, you should look at your character.