You lent money, but it was not returned to you at the appointed time. The situation is not pleasant, especially if you have already made some plans for this amount. How to remind a person that he owes you and at the same time do it as tactfully as possible so as not to spoil your relationship with him?
Instructions
Step 1
Consider whether you should lend money to anyone at all. There is an opinion that you should borrow only the amount of money that you can part with at the moment for free. After all, some acquaintances manage to borrow rather large sums of money from their friends, and then "feed breakfast" on their return. In this case, even if the borrower is your friend, you can tactfully tell him that you are not lending large sums. In addition, for such situations, there is always a bank that is ready to offer the borrower the right loan.
Step 2
If one of your relatives constantly borrows money from you and is in no hurry to give it back, do not hesitate to clarify this issue. Debt is debt, it is not a gift that is accepted for free. Everyone earns money for their own bread, therefore, when lending money to relatives, clearly indicate to the borrowers your requirements for the return of money. Of course, this does not apply to all cases. There are exceptions when someone from your family is seriously ill or is in a difficult life situation, but then, probably, it is not about debt, but about material assistance, and this is a completely different conversation.
Step 3
Feel free to remind you of old debts. More precisely, it is possible not to wait too long, so to speak, not to delay the conversation. Reminding about the money you borrowed, do not be ashamed of it, because you want to return your own savings. It should be a shame and embarrassment to a person who, having taken a loan from you, is in no hurry to give it back. Give the borrower arguments and good reasons that you really need money right now, for example, you are saving money for treatment, or are going to go on vacation, or you are sending your child to school - money is needed everywhere now. It can be recalled that at the moment when the debtor needed financial assistance, you were able to meet him. Now let him help you by repaying the debt.
Step 4
Remind your friends of debts. Wise people say, "If you want to have friends, don't lend them." It's good if a friend always gives money on time, but if he forgets about his debts or doesn't give them back for several years, then this invariably spoils the friendly relationship - they become strained and unpleasant for you. It is just as difficult for a close friend to be reminded of a duty as it is for a relative. After all, he may be offended and even stop communicating with you. But to repay debts, nevertheless, everyone is obliged. As a last resort, you can ask a friend to borrow the amount that he owes you, this will put him in an unpleasant position and make him pay you.
Step 5
Do not borrow yourself if you are not sure that you will be able to repay the money on time. If you nevertheless borrowed, then be sure to warn the person to whom you owe that you will not be able to return the money on time. Give him a time when you will have money.
