莱文建议,婉拒对方时需带着一种情感,比如“我真的很想帮助你,但现在手头上没有多余的闲钱。”如果你觉得有必要再做进一步解释,那么可以提一些近期碰上的意外开销,比如高额保险费,或像孩子的大学费用这类需要存钱的花费。
Offering to help brainstorm other sources for the loan or ways to bring down her debt (if that’s the situation) can be a thoughtful next move. A true friend or relative will be willing to accept no and then thank you for any additional help. If she doesn’t, better that your relationship sours before you’ve forked over any funds.
下一步体贴的做法是,帮助借款者找寻其他借款来源或想办法减轻其债务(如果这是其面临的处境)。真正的朋友或亲人会接受你的拒绝并感谢你提供的任何额外帮助。如果对方不这么做,那么这段友情还是在你提供任何资金前先破裂为妙。
Rule 2: Lend Just What You Can Afford to Lose
法则2:借出的数额在你能承受的范围内
Your friend or family member may check all the boxes for being trustworthy, financially stable and reliable, but “things can happen that prevent them from paying you back as originally planned,” says Byron Ellis, a Certified Financial Planner (TM) and managing director at Ellis and Ellis, a division of United Capital Financial Advisers in The Woodlands, Texas.
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