According to a sociological survey, the majority of Russians, and this is about 80% of the total population, have ever lent or borrowed themselves. At the same time, many respondents admitted that they did not draw up any documents confirming the transaction. Everything is based on honesty and trust. But it is worth remembering the proverb that says: “Do you want to lose a friend? Lend him money."
Instructions
Step 1
We can conclude: in order not to lose friendly relations and not suffer financially, at present it is simply necessary to have the ability to refuse to lend.
Step 2
Refusing to lend is very unpleasant, but you can survive it. It is important to refuse so that the person asking you for a loan is not offended or humiliated by you. Do not reproach a person, asking for a loan is also very detrimental to self-esteem. Use some helpful tips: - If you yourself have no money, do not hesitate to admit it. The phrase "I would be glad to help, but I myself do not have it" will not offend the person asking for a loan and it will not be difficult for you to pronounce it (if this is true); - you can tactfully explain that the amount of money that your friend is asking for is necessary for you for an important matter or that you have already decided to help another person with this amount, for example, your parents; - a person who untimely paid you a previous debt or did not return it at all can be tactfully reminded of his non-performance - then the problem will disappear by itself; - if a person asks you for the first time, you can refer to the life principle according to which you never ask yourself or lend to others; - a person who constantly asks for money in debt, and there are many of them, should be taught a lesson. In response to his request, ask him for a loan. Then he will understand that you have no money and will feel himself in your place.
Step 3
If you nevertheless decide to lend money, then be prepared for the fact that even the most honest debtor may delay the debt and not give you the loan amount on time. Wisdom says: "If you give with your hands, you take it with your feet." Remember that by lending, you provide yourself with additional hassle.
