Remember, when someone asks you to lend money, you only need to answer these three sentences, which can both refuse and not hurt people.
The first sentence: "How much do you want to borrow?"
Don't rush to refuse, first ask the other party's needs clearly. Maybe the other party just needs a small amount of money for emergency, but you think he wants to borrow a lot of money, and thus miss a chance to help others.
The second sentence: "I don't have money either, but I can help you with some ideas."
The brilliance of this sentence is that you did not directly reject the other party, but expressed your willingness to provide help. You can discuss with the other party other ways to solve the problem, such as recommending him to apply for a loan from the bank, or seeking help from other friends.
The third sentence: "I really want to help you, but I also have difficulties."
This is a more euphemistic way of refusal. By expressing your sympathy and concern, let the other party know that you are not unwilling to help him, but you are also facing some difficulties. Maybe the other party will understand your situation and not force you to lend money.
Through these three sentences, you can handle the request for money more skillfully, both to protect your own interests and to maintain good interpersonal relationships. Remember, sincerity and understanding are very important when dealing with such problems.
