In modern life, money seems to always accompany us in every job, event... However, when faced with requests to borrow money, sometimes we also feel awkward. In that situation, whether you agree to lend or not, you cannot avoid many different thoughts.
However, in reality, when others borrow money, not everyone knows how to behave properly. They will have thoughtless words, careless actions that hurt the other person. Meanwhile, people with high EQ will have a way of behaving that pleases people.
Shallow-minded and selfish people are often afraid to help others, even when they are in trouble. No matter how close and attached they are, when others borrow money, shallow people will avoid and find ways to evade. They also unintentionally say "bitter" words that hurt the other person.
"I don't have any money" is such a sentence. This sentence is like trying to avoid, not caring about the other person's situation. When a person with low EQ says this, the borrower will easily feel hurt. They will think they are bothering you and you are just trying to avoid this request.
"Why don't you borrow from someone else instead of asking me?" is also a sentence that deeply hurts the other person. This sentence is often said by people with low EQ and without any thought. When someone wants to borrow money from you, it means they trust you and consider you a close person. If you respond like this, aren't you bringing more trouble to that person?
Whether you are able to help or not, you should respond tactfully to avoid damaging feelings. That is the right thing to do in all situations.
Whether you are able to help someone or not, you should respond tactfully to avoid damaging feelings. Illustration photo
However, people with high EQ will have a clever way of responding that both probes the other person's intentions and does not put themselves in a difficult position.
1. What do you need to borrow money for?
When someone borrows money, you must first determine why the other person wants to borrow money. Don't underestimate this. Because they will not only help you find out the possibility of getting the money back, but also avoid more serious consequences.
In life, whether hard-working or not, anyone can face financial difficulties due to various factors. Whether due to luck or environmental factors, there are people who still overcome financial difficulties and life difficulties.
But the measure of whether a person can get out of trouble is his attitude when facing them. As long as he doesn't run away, the trouble will eventually pass and the money you lent them will come back one day.
2. How much money do you need to borrow?
This question determines the debt relationship between you and the borrower. Before deciding to lend money to someone else, you must first determine whether lending money to someone else will affect you.
In an era where "debtors" are everywhere, it is very possible that you - the person who lent money to others - are still shouldering the burden of paying bank interest to buy a house or a car.
Lending money to others should be done so as not to affect one's own life.
Also, before lending money to someone, it is best to first find out their income, thereby determining their ability to repay the loan.
For example, if a person has a monthly salary of 3 million and asks you to borrow 10 million, he will obviously have a very difficult time paying you back this money.
Remember that there are always people who think that if they lend money to others and can't get it back, it's not a bad thing. Then they will comfort themselves, "spending money to understand people's hearts" is also a way to clean up their social relationships. But this situation should be avoided as much as possible.
Lending money to a friend for an emergency shows that you are a kind person and is not a bad thing.
3. Don't be afraid to ask how long it will take to pay and have a clear commitment to the payment time.
A big mistake when lending money is that people are afraid to ask when they will be paid back. Never be afraid to ask, "How long will it take to pay you back?"
Borrowing money is easy, but asking for it back is difficult, so be bold and ask in advance when you will be able to pay it back. You can even set a deadline and ask, "I need the money in 6 months, please pay me back in advance. If you don't commit to paying, I'm sorry, I can't help you."
Don't be shy about discussing this issue, how much to borrow and when to pay back need to be made clear. Doing so may cause us to lose face at first but will win back our hearts later.
Therefore, both parties must ask and clarify the issue of when to pay. Remember, the sensitive issue of money needs to be handled tactfully but always be fair and equitable.
The Jews believe that if you lend money to a friend, you will have to pay interest by losing that friendship. So to avoid this, have the most tactful and appropriate ways of behaving.
You can refuse by saying that you have just deposited money in the bank that cannot be withdrawn early or have invested it in a long-term investment. Illustration photo
If you don't want to lend money, please refer to the art of refusing to lend money below:
1. Show empathy and express that you are also in need of spending a large sum of money.
Tami Claytor, director of the financial counseling center in New York, said that if you are asked to borrow money and do not want to lend it, instead of directly refusing, show sympathy and refuse tactfully.
You can take any reason and show that you also need to spend a large amount of money.
Usually, people will understand and will not make things difficult for you. However, there are still some cases where they will still insist on borrowing money.
If so, then politely decline saying you do not have the money.
2. Say that you have no cash left
You can refuse by saying that you have just deposited money in the bank that cannot be withdrawn early or have invested it for a long term.
This way of refusing helps them know that you don't have any extra money in a tactful way without offending the other person. Moreover, the time to deposit savings is usually quite long, they will automatically understand the problem and withdraw.
3. Help them find solutions to the problem
In case you cannot lend them money yourself, you can help them find extra work to increase their income.
You can also refer them to reputable banks to borrow money or open credit cards if necessary.
Instead of refusing outright, refuse tactfully and offer other solutions that can help them overcome their current difficult situation.
Besides, you also need to understand that when you do not lend money for any reason, you do not need to feel guilty because the problem lies with the borrower, not with you.
Source: https://giadinh.suckhoedoisong.vn/cach-nguoi-eq-cao-tra-loi-khi-muon-tu-choi-cho-nguoi-khac-vay-tien-172241015162401772.htm
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