法则3:制定严格的还款时间表
Ten years ago Emily White, 43, lent her younger sister $20,000 to buy a house near their elderly parents, without discussing a repayment date for the loan. “I loved that my sister would be there for my parents, and the idea was for her to pay me back once she got settled and found a new job, since she had moved from out of state,” recalls White.
十年前,43岁的艾米丽•怀特借给妹妹2万美元,让她在她们年迈的父母身边买了一栋房子,但是两人并未就具体还款时间进行讨论。怀特回忆说:“我妹妹为了父母来这安家我很开心,因为她从外地搬来,一旦她安顿下来找到新工作就会还我钱。”
But as it turned out, White’s sister appeared to have another idea in mind. “Now she’s been working for years, yet she hasn’t mentioned anything about payback,” says White. “I had no idea we were on a 10-years-and-counting plan. I wouldn’t be upset, but now I’m considering some investments and that money would help.”
但结果却是,怀特的妹妹似乎心里打着别的主意。怀特表示:“现在她已经工作好几年了,对还款的事却只字未提。在这个长达十年甚至还会更长的还款计划中,我感到迷茫。我不是难过,但现在我打算做一些投资,可能会需要用到那笔钱。”
White’s mistake was thinking she and her sister were on the same page when it came to repayment—a situation that could have been avoided if she had a thought-out plan.
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