Five Key Rules to Follow When Lending Money to Friends and Family

借钱给朋友或家人时，可遵循5项重要的规则

In today’s economy, it’s easy to understand how someone can find themselves in a dark place financially. To help guide you toward making the right decision, we asked financial experts to share five key things to consider before cracking open your wallet.

在今天的经济状况下，理解一个人是如何发现自己金融状况不佳是很容易的。为了指导你做出正确的决定，我们向金融专家请教，分享在你打开钱包前可以考虑的5件事。

Rule 1: Only Say Yes if You Mean It

规则一：只有在你想借钱给他时才借

If you feel guilt-tripped into making the loan by the asker (“I’m desperate!”) or you question your own hesitation (“I must be a bad person or I wouldn’t feel conflicted”), then turn her down.

如果你贷款给借款人会感到十分罪恶时（“我绝望了！”）或者你在质疑你的迟疑（“我肯定是个坏人，要不然我就不会觉得受折磨了”），那么你应该拒绝借款人的借款。

Rule 2: Lend Just What You Can Afford to Lose

规则二：借钱的数量额在你承受范围内

Bottom line: Be prepared for the worst by giving only an amount that, if never returned, wouldn’t jeopardize your own savings goals, bill-paying ability or other relationships.

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