Shakespeare's famous play "Hamlet" has a plot in which Lyatis is about to leave for school. Pen ~ fun ~ Ge www.biquge.info his father gave him many experiences in life when he was leaving, and one of the pieces of advice was: "Don't borrow money from others, and don't lend money to others." In China, there are similar sayings such as "friends don't get rich, and they can't get together with money." In the United States, it is said that you can talk about anything, from scolding the president to exchanging ******, but when it comes to borrowing money, both parties become nervous. The borrower only promises, the borrowed person is afraid to avoid it, in a word, borrowing money is really embarrassing. It's too expressive.

However, Mr. Zhu is poor, and borrowing money is the "new normal". For more than 20 years, he has been borrowing money to survive, and he has not yet paid off his debts. As the saying goes, "a long illness becomes a doctor", borrowing a lot of money, of course, there are some experiences in borrowing money, writing it out and sharing it with everyone, which can be regarded as doing something beneficial to mankind.

The first element of borrowing money is to see if the other party has money. If he doesn't have any money, he just wants to help you, and he has more than enough power, for example, if you want to borrow three or two thousand from Mr. Zhu Zhi, a poor bastard, then you don't have to open your mouth. In addition, many borrowers are good at discounting, if you want to borrow 1,000, he only lends you 500, as if he made 500 for nothing (for the reservation you don't pay, you really lose 500). So if you want to borrow 2000, open your mouth is 5000, and let him discount it. My experience is like this, if he agrees to lend you as much as he wants on the spot, then there is a drama, if he says to go back and think about it, it is a delaying tactic, I am afraid that I will refuse you in person, and I can't say anything.

You'll hear voices like: I'm so sorry! I'm having a bit of a hard time at the moment, really, otherwise you must have nothing to say about it, you ask yyy, sorry!

In this way, my brother-in-law just asked me to borrow 10,000 yuan last week, and it is still a little possible next month, I'm really sorry!

During this time, I myself was very difficult, and I lost a lot of money playing mahjong in the previous period, xx, I'm sorry, if I want to be in a good situation, it's absolutely fine.

I'm so sorry, my money is in stocks, I'm sorry!

No, why do you want to borrow money, I only lent 10,000 yuan to people yesterday, it's interest, and you didn't say it earlier, I'm sorry, you have to think of another way.

I'm sorry, I've been stuck in my stocks lately, and I don't have any cash in my hand, I'm sorry!

It's really unfortunate that my son is going to transfer to YY school at the beginning of school, and he has to pay 5,000 at the beginning of school, I really can't help you, please forgive me! Wait a minute.

There are also a lot of reasons why Ciri is quirky and will you be frustrated? Therefore, when borrowing money, you must be straightforward, and you must prove that you are rich, but you can't turn around for a while, for example: "I want 80,000 yuan to save my life, and now I only have 50,000 yuan on hand, can you solve 30,000 yuan for me" is stronger than "I need money now, can you lend me 30,000 yuan". Although your so-called "80,000 urgent" and "50,000 on hand" are non-existent. In this way, the momentum is there, and it seems that you have the ability to repay the money, not a worthless deflated. So it's the other party's turn to consider, to borrow or not to borrow? How much to borrow? Most of them can't wipe their faces, and they will take them out and give them to you as soon as they grit their teeth, or give you a discount, and borrow you 5,800, which can be regarded as an achievement.

Another is to set the date of repayment, and the more accurate the time, the better. For example, "I see that I can repay you as soon as the bank opens at 8 o'clock in the morning on the 8th of January", "on the 13th, my fixed passbook expires on the 12th, and I can take it out and repay you after a day", if you can still offer to write an IOU, congratulations, you have learned a little bit of the truth of borrowing money. At this time, your friend will also appreciate that you don't have to ask him to write an IOU. Some of the small amounts, and old friends, said: "It's all old friends, what kind of IOU to write for hundreds (thousand) dollars!" "Indeed, a few hundred dollars, if he wants to rely on you, you will rely on you, if he doesn't pay it back, you won't go to court to sue him.

The most important thing is to remember to repay the borrowed money, as the saying goes, "there is borrowing and repaying, and it is not difficult to borrow again", otherwise it is a hammer deal. Even friends can't do it. Even if you really can't afford to pay it back, you have to often mention it to the other party: "Mr. Zhu Zhi, I'm really embarrassed, I don't know that it's very moldy now, it's very difficult, and the money can't be paid back for the time being." Don't worry, I've been trying to find a way to pay you back as soon as possible. "See once and say again, each time more sincerely. In this way, I was embarrassed: "Alas, you are also difficult, so let's take it easy." "Don't act like nothing, wait for others to urge you to deal with two sentences, in that case, your reputation in your life will be ruined for a few hundred yuan.

It is important to note that there is another sequelae of borrowing money: being particularly forgetful. Benjamin Franklin of the United States said: Creditors have a stronger memory than debtors. Mr. Yu Guangzhong has a passage that describes it very well: "At the beginning, the borrower did have the sincerity to repay, at least there was an illusion of determination to repay. When the borrowed money runs out and things change, the second illusion takes shape. He will feel that that the sum of money was originally made out of nothing, and now he is a little unwilling to 'return to nothing' and change it back. 'Who taught him to be richer than I am?' In the haze, the thought arose. 'The way of heaven is more than what is damaged and what is not enough. The way of man is not, the loss is not enough to give more than enough. It was because of the lack that we needed to borrow money from others, and now we have to repay the money to others. As time passed, the idea of repaying the money gradually faded from fading to disappearing."

That's right. Especially like Mr. Zhu Zhi, the number of pens borrowed is so much, even if I am Mr. Chen Jingrun, I can't do anything. So I don't know exactly how much debt I owe. Now, I solemnly announce on the Internet and my blog that I have lent me money, and I have not repaid the money on the agreed date, please remind me, otherwise you will not blame me for not keeping my promises, I am getting older and my memory is getting worse and worse. But if you borrow my money, don't think that my memory is not good, about 9 o'clock in the Spring Festival in 1973, when it was still raining lightly, Zhong Erlao in the east of the village borrowed me 3 cents to buy firecrackers, and said that he would pay me back the next day, and he has not repaid it until now.