You give money in debt - wait for problems!

Probably, at least once in their lives, every person faced with a dilemma: is it possible to lend money ?

This issue is especially hard for those who have too many beggars in their environment!

Today we will talk about why you can not feed such a dangerous species as "pobirushka vulgaris", and how to avoid the mistakes of people who too often give money in debt.

Money in debt: the need or way of life

Almost all have one person among their acquaintances( and the most unlucky - and several individuals) who are terribly fond of asking for money .

And most often he / they do it not because they need, but because they are sure - so it's easier to live!

Indeed, why think about your future, optimize your spending, be able to say "No" to your desires, diligently save for things you like, if you can do much smarter( in terms of these pobirushkas, of course) - ask for loans.

And here you, by the kindness of the soul, gave money, the beggar bought himself a computer / cool leather jacket / ice cream box( no matter what) and like everyone is happy.

The problems will begin when you hint that it's time and honor to know, that is - to pay off debts.

And then your debtor will start:

• pretend to be a hose and pretend that it was not a loan, but a gift;
• whining: "I'm so poor, and you're a satrap, murderer and huckster, you want my death, demanding money, which I do not even have in mind";
• to hide from you in all sorts of holes;
• use the tactics of a young rooster, that is - attack: "I do not! Will not give it back! And you will not do anything to me! ";
• feed you endless breakfasts: "I'll give you right next week!". . Exactly, exactly, accurately - and so on ad infinitum. ..

How to properly manage the family budget - life examples

Naturally, this is not all possible scenarios, but the mostpopular.

Why not give money in debt?

Experts, responding to the question " Is it possible to lend money ?", Give an unambiguous answer: "It is impossible in any case!".

Especially do not recommend and financiers, and psychologists get involved in loan relations with close friends and relatives.

Even a huge number of proverbs, such as "If you want to make an enemy out of a friend - lend him money," "Where money starts, friendship ends," etc.show that you should not act as a lender for close people.

Naturally, there are situations when the best friend or next of kin, in which you are absolutely sure, ask for money, for example, for the operation of a sick child.

But this, rather an exception to the rules.

And then, it costs 101 times to think before deciding to lend money!

We want us to be considered good people, therefore it is so difficult for us to say no when someone is asking for help.

But, if this closest smoked his conscience in the first class, then he will provide you with a suitcase of problems and still, in the end, you will prove to be bad!

"... Do not borrow money and do not give loans;
It's easy and a loan to lose and a friend,
And loans are blunting the farming blade. "
W. Shakespeare.

That's exactly what happened to my two friends.

Maxim, did not even think about the question " Is it possible to lend money?" , when Sasha's friend asked him to borrow $ 10,000 to buy a car that was necessary for the business.

Maxim worked abroad, trying to earn an apartment.

From the next foreign voyage he just brought this amount and instead of putting it in the bank, he decided to help Sasha.

The one who was lucky, bought a car and began to spin up the business.

With the return of debt, Maxim did not hurry. Sasha pretended that he did not owe anything to timid phrases of Maxim. "But have not you collected the right amount yet?", "But could you give me at least part of the debt?" Answered the verbose "No!".

So passed a year.

Maxim began to get nervous and already more demanding to call for a refund.

Sasha put on himself the image of the victim and complained to all his friends: "He thought to me a friend, and he - a humbler soulless! Shakes me because of some 10 pieces, when he makes millions. "

It all ended very unpleasantly: Maxim turned for help to collectors without a license( gangsters, roughly speaking).Sasha returned money for the day( without special difficulties, by the way), but the friendship, of course, disintegrated.

A spoiled relationship is not all the reasons, why it is not worth giving money in debt .

Firstly, money does not like it when they are handed out to the right and to the left.

They start to take offense and come to a more thrifty owner.

And secondly, the money should work.

Bank deposit, securities, investments in gold or real estate - the ability not only to save money, but also to multiply them.

What you should remember about if you decided to lend money!

I will repeat once again for those who are wearing a helmet: "Do not borrow your own blood!".

If you still decide on such stupidity, then secure your funds to the maximum:

1. Think about who you give money to debt, how reliable this person is, whether he has a habit of lending, how good his credit history is, will allowwhether his financial condition to pay off his debts, etc.

2. Be sure to ask why he needs money.

   If the reason is respectful - this is one, then the borrower has weighed all the pros and cons.

   If you heard in response: "Yes, so tired, I want to go for a week on Maldives," then run away from this windy dunce without looking back.

3. Make a notarized receipt.

   Yes! Even if you lend money to your brother or girlfriend, with whom you were sitting on the next pots in kindergarten.

The Best Tips for Saving Money

You will not painfully ponder whether you can lend money if you remember about the 5 rules:

"The apostles said this:" If you give money in debt, you do not need them( you haveon what to exist).And therefore, be ready to part with them initially, when they were given! "

• Do not tell people about your income.

  Even if you really want to brag, even if you were interrogated with addiction: "How much do you earn?" - it's better to keep silent. The rich people are the right targets for beggars!

• Do not be afraid to say: "I do not have any spare money now" and, in order to smooth out the refusal, offer alternative help: give things or products, take them somewhere on your car, etc.
• Advise the eternal klyanchunu special literature, such as "How not to walk all my life in debtors", "Live economically, and not always lend", etc.

• Tell the begging how to earn the right amount.

  For example, the same Internet provides a lot of opportunities for additional earnings.

• Advise him the bank, which gives loans at low interest.

  After all, for that banks exist that people do not look like beggars, begging money from more successful relatives or friends.

I advise you to watch a very instructive video,

where they tell you why they rarely return debts!

We take a note and change!

I hope you understand why it is not worth giving money on , and how dangerous permanent loans are.

Do not repeat the mistakes of others: do not feed pobirushkas.