LENDING MONEY
When a friend or a family member asks you for
money you can be faced with a delicate situation. Thinking it is your duty to
help that person, sometimes you end up hurting yourself. Try, when you can’t
resist a close person, to analyze first all the data of the problem.
1. Analyze with you
heart and mind
Look at the situation with the objectivity of
a bank, combined with the sympathy you feel for a friend. If your heart and
head agree you probably are not making a mistake helping him. If one of them
tells you “No!” there is probably something wrong.
2. Consult with someone
else
If a friend asks you for money, ask a third
person and rely on his or hers objectivity, a person that can be another friend
or a family member with a trusted intelligence.
3. Don’t be afraid to
say no
Never hesitate to refuse someone if the
situation involves too many risks. Search for other helping options for that
person. Conduct the conversation in such a manner that your friend will
understand you are refusing the request not the person that made it.
4. Lending equals
giving a gift?
You can suggest to that person that, if his
of hers financial situation improves in the future, you will be glad to get a
present that would equal the money you lent to them.
5. For your safety,
sign a contract.
When you are about to give away significant amounts of
money, sign, each of you, a contract that settles the conditions and the return
date of the money, and also their total amount.
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