Everyone may be in urgent need of money, so when relatives and friends really encounter difficulties, it is appropriate to lend you a helping hand, and they will be very grateful to you. This is the truth when they are in trouble. But if your relatives and friends often borrow money from others, you should not consider lending money to him; If you have spare money, you can consider giving him some money directly. Of course, this is within the scope of giving money.

Direct poverty load method:

It can be said that the money just happened to be in the stock market, or just happened to be used to buy things. Be clear. When others ask you for money, there are always various reasons, but when you want to refuse to lend money to others, there is only one reason: you have no money. Prepare some excuses in advance. Because of your feelings, you can't refuse directly, so you can only think of some words to deal with it. Usually, these situations can be recognized by the other party. Therefore, if you can understand your difficulties better, you will naturally give up advising you and feel that your refusal is not unreasonable.

Transfer of financial power:

You can say that all the money is in your wife, husband or father, and you will deposit it in the bank when you die! I don't have much cash on me If it's a good relationship, it means not paying it back. Don't borrow it unless it's particularly good. Raising money hurts feelings. When it is not good to refuse directly, we have to take circuitous tactics. To change the subject, or there are other reasons, mainly because you are good at using the turning point of tone-gentle and persistent-you will never agree, but you will not be torn. For example, express sympathy or praise to the other party first, then give reasons and refuse. In this way, your refusal can be accepted with an "understandable" attitude.

Be honest with each other and analyze directly

If relatives and friends borrow money, but they are really unable to help, it is a good idea to frankly explain the objective situation and refuse it directly. Of course, these conditions should be recognized by the other party, which will not only hurt the feelings of the other party.

Borrow less and not borrow more:

If you don't want to hurt the feelings of some friends who are important to you, you might as well use this method. With the attitude of not asking a friend to pay you back, for example, if he borrows 1000 from you, you can say that you only have 100, so you can borrow 100 from him, so as not to hurt each other's feelings.