How to send text messages when someone borrows money?

This problem is really tangled, and it is easy to encounter in daily life.

Generally, my handling method is to distinguish what kind of friends I am before borrowing money. If I am a friend with deep friendship, no problem. If you are casual acquaintances or fair-weather friends, you can either find an excuse not to borrow or borrow less, or make an appointment to pay back the money.

Since it was lent out, we should analyze why he didn't return it. If he wants to default, it's no use sending a text message to remind him. If you have no money at hand, it's no use asking for it now; If you just forget, it doesn't matter to remind you.

Suppose the object of your loan is the last forgotten situation. If you have a good relationship, you can send it directly: Brother, I am short of money for the New Year. Please pay back the money you owe me first. (by analogy, if the relationship is good, you can point it directly. If the relationship is average, we must be tactful, so that we can find an excuse: my friend, I (or someone in my family) have met xx and need money. Please return what I lent you last time. If you have spare money, lend me some emergency (I think the back part is the highlight, hehe) ~

I hope my words will help you ~