foto: freepik.com
Brilio.net - In everyday life, we are often faced with debt and receivable problems. For example, friends or family ask to borrow money when they are having financial difficulties. Of course, you want to help, but sometimes you also need to think about your own financial situation. This problem cannot be avoided, but you must be able to respond to it wisely.
One wise way to deal with the problem of debts and receivables is to think about how to refuse people who borrow money elegantly, smoothly and without offending people. You can convey your refusal politely, such as by saying that you are in a financial condition that makes it impossible to provide a loan.
You can also provide alternative solutions, such as helping to find other sources to meet their needs. It's not easy to refuse someone who borrows money, but you can do it elegantly and subtly without hurting other people's feelings. How do you think about it?
Summarized by brilio.net from various sources on Monday (19/2), here are 15 ways to refuse someone to borrow money elegantly, subtly, without offending people.
1. Provide an explanation.
photo: freepik.com
If someone wants to borrow money but you don't have any, provide an explanation of your current financial condition. For example, you don't have any more money to borrow. Or you could be in financial planning.
2. Also explain your difficulties.When you want to refuse someone who intends to borrow money, you must honestly explain that you are currently experiencing financial difficulties. Don't be proud to say that you are in financial difficulties.
3. Provide solution suggestions.When you refuse someone who wants to borrow money, you can provide another solution. For example, suggesting trying to seek financial assistance from other parties or other sources.
4. Provide moral support.Even though you refuse to be loaned money, that doesn't mean you don't have empathy for your friend. Provide moral support, for example encouraging your friend to get through difficult times. Simple things like that will cheer up your friends a little.
5. Don't refuse without reason.If you want to refuse someone who wants to borrow money, make sure your reasons are clear and firm. Don't immediately refuse without a clear reason, so that your friends or family don't feel ignored.
6. Give an attitude of respect.
photo: freepik.com
Even though you can't lend money, you still need to give appreciation for the efforts that person has made. It could be that it takes a certain mentality and courage to express a desire to borrow money. Let him know that you value him as a friend.
7. Pay attention to language speech.You may want to firmly refuse. But remember, firm words sometimes sound unpleasant to some people. Remain firm in refusing, but still use polite and friendly language.
8. Don't blame the person who borrowed the money.
Don't blame friends who want to borrow money, but explain that you can't help with that. It could be that borrowing money from you is the person's last way to overcome their financial problems. You need to be positive and not put it down.
9. Remind each other about friendship boundaries.If someone wants to borrow money, you may need to remind them of the boundaries between you and that person. Explain that you will only lend money to people you trust, even though these people are people you have just met and cannot yet be trusted.
10. Explain your priorities.The way to refuse other people to borrow money is to explain that you are prioritizing your money to fulfill certain desires. Explain that everyone has their own financial priorities.
11. Explain your condition.
photo: freepik.com
Those of you who may have unstable finances need to be honest with people who intend to borrow money. Explain that you should also consider your own condition before helping others.
12. Give good analogies and arguments.If there is someone who has a bad track record in terms of debts and receivables, you can explain that you cannot lend your money to someone like that. Give an explanation in the form of an analogy and argument regarding your reasons. Still remember, use gentle language so as not to offend feelings.
13. Don't give complicated reasons.So that the person you reject can understand, avoid making reasons that are too complicated. Don't go around giving reasons. Don't ignore the person for too long. Just give clear, firm, but still polite reasons.
14. Refuse but still sympathize.The way to refuse someone to borrow money is to still give them sympathy. Don't show excessive reluctance. But still give your refusal firmly and with clear reasons
15. Maintain good communication and relationships.Even though you have rejected someone who wants to borrow money, you are still obliged to always maintain a good relationship with that person. This is done so that this rejection does not damage your relationship as a friend, colleague or family member.
(brl/mal)
