Yesterday, a former colleague called me and asked me to borrow money after some polite conversation.
I didn’t play along with her and asked directly: How much do you want to borrow? A big boss once taught me that if someone asks you to borrow money, you should ask him first and then consider whether to lend after confirming the amount.
My friend asked to borrow 50,000 yuan.
I said: “When will you pay it back?”
She hesitated for a while and said that maybe at the end of the year, when her husband will pay her back after the year-end bonus.
I was shocked: Maybe? And it has to be her husband who pays. What if her husband doesn’t pay at the end of the year, or can’t pay 50,000 yuan?
I said straightforwardly: “I’m a little nervous now, and I may not be able to lend you that much.” I didn’t reject her directly, and gave her a way out.
She said: How much can you lend me?
I said: 10,000 yuan, can you pay me back in October? My child is getting married.
She hesitated and said: Forget it, I'll find someone else to borrow from.
After hanging up the phone, I felt relieved. I was willing to help her, but she didn't accept. My attitude showed that my interests were protected. I also made the other party understand that borrowing money is not an easy thing and needs to be carefully considered.
Everyone, do you think my approach is right?
