Money is something that everyone constantly lacks. And such a problem forces people to look for, if not a permanent source of income, then at least a temporary one. The simplest thing is to borrow money from someone, for a while. But not everyone likes such a relationship. Let’s be honest, many people try not to borrow money. For some, this approach is elevated to a principle, while for others it is simply the personality of the applicant that causes distrust.
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It’s just not easy to refuse a request to borrow money. It’s even somehow embarrassing to refuse to help a good friend or relative if he is experiencing financial problems. Here are some ways to make a delicate refusal that will not offend the applicant and allow you to feel guilty about yourself.
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How to delicately refuse a request to borrow money?
It’s easy to refuse money if you simply don’t have access to it. You can honestly say that the funds are in the bank on deposit. And the interest accrual scheme does not allow withdrawals ahead of time. It is difficult to blame you for taking care of your own well-being in due time and could not predict the need for financial support for another person.
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Have already lent money to another person
This method will require imagination and a little acting from you. If you are asked to borrow money, you can take a deep breath and sadly tell that you just recently lent money to another person. The story can be supplemented with fictitious, but detailed details – to whom and for what the money was given, about unknown terms from the return. And we can say that they helped some relative free of charge, who turned out to be well, in very constrained circumstances. So you would be happy to provide help, but the money is trite already.
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Money spent on repairs
The next option for refusal provides for a fairly good reason – you need to report your own recent spending. It can be a renovation of an apartment, a car, or a major purchase. Such information is an unambiguous hint that after spending such a waste, you have no money. But you should not go overboard with describing your own problems, otherwise you may be offered counter help, which you will have to refuse.
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It is difficult to lend to someone if your income has dropped noticeably lately. And there may be several reasons for this:
- refusal to pay bonuses or reduction of their size;
- introduction of a system of fines;
- expiration and non-renewal of contracts;
- the influence of seasonality.
These circumstances lead to the fact that the funds that you previously postponed have already been spent or were used to pay off your own loans. And the amount of income hardly allows you to cover your monthly needs.
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Offer alternative assistance in the absence of available funds
It so happens that the same person constantly asks you for a loan, despite regular refusals. Probably, something in his life has gone wrong, which he is simply afraid to talk about. Ask why he constantly needs money. Perhaps we are talking about health problems or not a permanent job. Sometimes it may turn out that you are not able to help with money at all. Perhaps a person simply does not have enough of a well-written resume, perhaps a person can find some kind of part-time job: walking a pet, the role of a nanny or nurse, freelancing. If you yourself have had experience in a similar situation, tell us how you solved the problem. Here you need to make it clear that you are not ready to give money just like that, but you can help or pay for certain services.
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None of us is immune from financial problems. Sometimes additional money is really required: loss of a job, large expenses, medical treatment or other force majeure circumstances. In such a situation, you can really help if it does not worsen the quality of your life and does not reduce the family budget. But if a person abuses trust and constantly asks for money, then it is better to learn how to refuse him.