But more deadly than making money, I thought it was not difficult to have some money in my hand. If relatives and friends need it, they will basically give everything as long as they ask. Unfortunately, when I have an economic cold and my cash flow is poor, I will find it easier to borrow money than to pay it back.
Experience tells us that you should never borrow these four kinds of money, and you must ask clearly before borrowing them, otherwise you will never get them back.
Borrow money to invest?
There are always endless things in one's life. Some people are busy making money, others are busy losing money, and investment is such a thing. Since China's reform and opening-up 40 years ago, from the initial stock trading to various funds, securities trading, foreign exchange, precious metals, oil, virtual currency and so on. There are many kinds of investment and financial management, and there are countless virtual economies. Some have made tens of millions, turned around gorgeously, and some have lost money.
If a friend or relative borrows money, even if there is money left, ask clearly what purpose it is borrowed, whether it is emergency or other purposes. For example, if there is an accident at home and someone needs emergency treatment, then this kind of emergency is understandable, and the use of investment and wealth management must not be borrowed unless you think it doesn't matter. Because nine times out of ten, this kind of money will not come back, and the borrower will either invest nothing, or invest more and more, sinking deeper and deeper, and finally can't even save himself.
Borrow money to gamble?
Of all the loans, the most terrible thing is to borrow money to gamble. Gamblers have a gambler's heart, and gamblers are extremely adventurous and have great luck. They always think that the final loss is just an accident, so they must pull it back, even if they lose everything.
With the first curiosity, there will be countless stops. First, I put my own property in it, and then I began to strengthen it. Finally, I put all my eggs in one basket, never give up even if I lose, always thinking that I can win it all back by my own ability.
Many gamblers start from childhood, and they don't even recognize their mothers at the end, and then borrow money everywhere and get into debt everywhere.
If a familiar person knows that he borrowed money to gamble, he should know what it means to lose everything. Lending money to others for gambling is undoubtedly nine Niu Yi cents.
Borrow money to enjoy?
Obviously there is no money in hand, but dare to go to Michelin Samsung restaurant; You know all your money adds up to only one tire, and you dare to buy hundreds of thousands of cars.
With the installment payment of various platforms, I live a fairy-like life, with all kinds of famous brands and luxury goods, and I go in and out of all kinds of high-end clubs. What do others think? Rich people? When it's time to pay back the money every month, I try my best to scrape together and borrow money everywhere.
There are always people who think that life is too short to eat, drink and be merry in time, so the idea of spending in advance and overdrawing in advance is popular. Only when it's time to repay, will they find themselves poorer and more stressed. Knowing that this person is borrowing money to enjoy consumption, no matter how good the relationship is, he can't borrow it, because it is basically difficult to pay it back.
Borrow money to buy a house? But if they need money for a long time, they should not do so.
I have an 80-square-meter house in my hand, and I want to buy another 150-square-meter one. Those who already own a suburb want to buy another school district house or downtown commercial house, which is the general psychology of real estate speculators.
Lending money to others to buy a house is because others promise you that they can give you interest, or repeatedly impress you with emotional cards, and you can't refuse. Unexpectedly, with the decline of the property market, several years passed, the borrowed money was not settled, and there was no news of repayment, so it was kidnapped by friendship.
The original intention of borrowing money is to save an emergency, and the biggest starting point is to solve an urgent need, rather than lending money to those who make a fixed investment and buy a house. Once lent, many unpredictable factors will make the lent money unrecoverable.
People have different ways of thinking and different angles of thinking. Don't guess the ideology of others by your own ideas. On the issue of borrowing money, find out the ins and outs of the money before deciding whether to borrow it or not. In the above four cases, unless you bear a grudge against the money, you must never borrow it.