An acquaintance asks you for a loan, but you are not sure that he will return it. But, on the other hand, you do not want to spoil the relationship and it is inconvenient to refuse. How to get out of the situation with the least losses?
Instructions
Step 1
The money issue is often the cause of quarrels, even between friends. Therefore, if you are not very sure about a friend's creditworthiness, borrow an amount that you do not mind parting with.
Step 2
Sometimes you have to be able to say no. Say directly that you cannot lend without explaining anything - this is your right. If you are uncomfortable with refusing for no reason, refer to the fact that you only have a small amount with you.
Step 3
Also, a sure way not to give money is to not have it. Keep a small amount of cash in your wallet, and let the rest of the money be on your bank cards. Then, by refusing, you don't have to lie.
Step 4
You should not borrow a large amount at once to a person who has never borrowed from you. For example, banks that issue loans are guided by the debtor's credit history. Those with a tarnished reputation or no credit history are likely to be rejected for a large loan.
Step 5
For some unexplained reason, are you worried about the request? Sometimes non-verbal signs say more than words. The human brain is able to read these signals and give them out in the form of a vague feeling. It is better to listen to your intuition - most likely, your inner voice is right.
Step 6
If the applicant is persistent and the requested amount is large, explain that all of your monetary assets are invested in shares. Or are on a fixed-term bank deposit.
Step 7
There is a type of people who are constantly living in debt. Often they are very reluctant to return money. If this is someone you know, it may be worth giving him a small amount, saying goodbye to her. But for the future, you will be insured against larger expenses - most likely, he will be ashamed to ask for more. And if you are not ashamed, you can remind about the unreleased
Step 8
But remember that there are things in life that are more important than money. In everything you need to observe the measure - otherwise you run the risk of being known as a curmudgeon. Maybe you shouldn't refuse a person who really needs help?
