How to treat people who often borrow money and pay it back on time?

I use my own personal experience to answer this question. Twenty years ago, I had a friend who was very good at that time. She and I got married almost at the same time. Less than half a year after marriage, she gave birth to a child. From the month when the child was born, she went to the hospital almost every few days and went to see a doctor every few days. At that time, we were not very rich, so she often came to my house to borrow money, not too much, 20 or 30 yuan at a time. And then come back in a month. Borrow it next month. Then come back next month, and so on. Anyway, in those years, she came to me for anything. Good friends, of course we tried our best to help.

I also naively thought that maybe this is the best friend I have made in my life, and we may be together until we are old. Because I treat this friend with my heart, every time she comes to speak, I will not refuse even if I have difficulties, and I will definitely help her.

But life is impermanent and things are unpredictable. 10 years later, our economy began to develop, and she gradually became rich, but I didn't make much progress because of the situation at home. Compared with her, I earn less money.

Her attitude towards me began to slowly change and become distant. You haven't seen me for a long time. The event that ended our friendship began after her father died.

At that time, after her father died, we went to visit, and I gave 200 yuan a gift. In fact, at that time, it was only 100 yuan, and I already gave it more. But at night, she and another friend actually blocked me in her old house, and both of them scolded me and quarreled with me. It means I didn't give enough money. I'm really at a loss. I had no idea this would happen. It was really hard at that time. What is a good friend? I have tried my best, but it is still not enough for her. Not only did she not arrange my accommodation, but she also kicked me out like a stranger.

So I remembered an old saying, fighting rice to raise goodness and raising rice to raise enmity.

I left that night with tears in my eyes. From then on, I deleted this friend from my mobile phone, never spoke to her again, and cut off my relationship with her from my heart.

I thought she was a very honest and lifelong good friend, but I didn't expect that it was actually myself and I didn't see the society clearly.

Such people are heartless and ungrateful. When she needs your support when she is incapable, she wags her tail around you like a dog, making you feel that she is loyal to you.

But once you have the power, you will turn your back and bite you mercilessly, and you will never remember your kindness to help it. So some things should not be confused by superficial phenomena.

I always think that people who borrow money and pay it back on time are trustworthy, but those who often borrow money and pay it back on time should be careful! Because it is normal for anyone who is not in trouble to borrow some money from relatives and friends when the economy is in trouble. If he can repay the loan on time, it means that this person is very trustworthy and worth communicating with. However, some people borrow money frequently, but they always pay it back on time or in advance. When they meet such people, they suggest that everyone should pay attention: Are they raising the loan amount again and again? Are you the only one who borrowed it? Are you very generous and helpful? Is there a stable business to do?

Let me share a personal experience. A few years ago, when we were engaged in development, many foreigners came to do real estate and build residential buildings. I am making building materials. They often come to me to buy materials, so they have more contact. One of them is a painter of interior and exterior walls. He is very smart in his 40 s and works as a contractor on the construction site. After less than a year, he opened a decoration company here. It seems that everything is developing in a good direction ... but this guy suddenly disappeared one day in the third year here, and the building materials industry in our small county is boiling!

Why? Because he owes money to more than a dozen stores, including mine! What about his decoration company? Not to mention, the workers below said that their wages were in arrears for several months. Why not? Most people say, "I trusted him, but I didn't expect him to run away." I admire him for saying from the bottom of his heart that he can owe wages. If he doesn't get paid these days, he may work with others, not to mention that he is still a foreigner for several months!

That's how he treated me. When he first came, he was working on the construction site in his hometown. He often comes to me to buy things. Every time he drives by himself, he never leaves me alone. He is polite and likes to chat with people. He soon became familiar with it. Once he finished loading the goods, he suddenly said that he forgot to bring his wallet. At that time, there was no WeChat or Alipay, and he looked very anxious and embarrassed ... Then he said that he would go somewhere else to buy other materials in the afternoon and would definitely send them! As soon as I thought that I didn't have much money and I knew it so well, I agreed. Sure enough, he sent the payment early that afternoon. At that time, I felt that this person was quite trustworthy and had a good impression!

Later, he didn't drive himself to buy materials. He called them to go directly to the construction site. Sometimes I send them, but more workers go. Because of the constant dealing, the relationship became more and more familiar, so I began to owe money. However, every time I call for an account number, he is very frank. He either asked the delivery man to bring it back or delivered it himself, and then he owed it back quickly. ...

Later, it was said that he handled other families in the same way. In the early stage, he constantly cultivated and improved his reputation in this way, gained the trust of others, and at the same time tested each other's bottom line step by step! I'm not afraid to tell jokes, and I lent him some money the night he ran away!

Although my experience is different from that of frequently borrowing money to pay back the money, there are great similarities, so it is better to be cautious before eliminating bad factors!

Commentator Yan Yan:

Seeing this problem, I thought of my roommate A, which was really a headache.

I graduated from college seven or eight years ago and haven't been in touch. I made a phone call suddenly, and I was surprised. After I answered, I exchanged a few pleasantries, and she began to complain that life was not smooth, that her husband was not good to her, that her children were disobedient, and that she didn't have enough money. At first, I just comforted her. Later, I said that I recently made a business in the WeChat business to stock up, and my husband disagreed. I told her about it.

However, I have just bought a house myself and just paid the down payment I borrowed from my relatives. My husband and I still have a mortgage of 8,000 to 9,000 yuan every month. I was thinking, why do you want me to bear financial risks when you start your own business? What should I do if the goods in the WeChat business are not bought well and fall into my hands? But I didn't agree at that time, so I made an excuse to discuss it with my husband.

After careful consideration, I called my roommate B. Speaking of this, my roommate B told me never to lend it to her. I borrowed money from my roommate B twice last year, about 1000 yuan, and I haven't paid her back yet. That is to say, the cash flow is difficult, and roommate B is embarrassed to ask her to pay back the money. I hinted at A several times before and ignored it. But according to our understanding of roommate A, I am a civil servant. Although the salary is not high but stable, I live in a small county, and the rent and mortgage are not high, but I just like to borrow money to buy things I like, and then I don't pay them back for a long time. I always say I will pay it back when I have money.

Finally, I didn't promise to lend it to her. Later, she called several times. She still talked about her miserable situation. Husband wants to abandon her or something, but the purpose is to borrow money. Because I have been insisting, I have not contacted again. Later, I heard that it would take three or four years for roommate B to repay the money she borrowed, or she asked for it several times. Finally, it seems that roommate A said something ugly when he paid back the money.

You know, there are many ways to destroy friendship, and the most thorough way is to borrow money.

I hate that feeling, the feeling of not paying back the money People in trouble have helped you, and now you are in trouble, just say no. It's easy to borrow money and pay it back. It is difficult for such people to get true friendship, and friends will gradually get away from them. We live in this society, we do have many desires, but we can't get everything. We can spend as much money as we can, do what we can, and never borrow money or pay it back! ! !

My own situation: I have a friend who is not very familiar with me. I chat with QQ occasionally. Once told me that I had no money to pay the rent and borrowed 500 yuan. I didn't think much at that time. I borrowed it when I didn't have much money It was also quite timely later. Generally, it's 10, and it's basically returned on the 7 th and 8 th. I wonder if it gives him a feeling that it is convenient to borrow money from me. Every time he chats with me, he tells me what he needs and needs money. Later, more and more money was borrowed, although it was paid back on time. However, lending him money is also based on trust that he can repay on time, and the amount is not large, and there is no IOU. After a few times, I made an excuse to push. If I urged him a few more times, he wouldn't borrow money from me again. It was because I got used to it later, and even said how much money to give him when, as if I would give him whatever I wanted. There is no feeling of embarrassment.

The first case: the business needs capital turnover, or in their business activities, suppliers occasionally default on their debts, or other unexpected situations, which may cause capital problems, so they have to borrow frequently for capital turnover, and once the accounts are in place, they can repay quickly; Although such people often borrow money, they keep their word and have no problem in repayment ability, so there is no need to worry about lending money to such people, and they can still maintain a relationship. Maybe he can definitely help you in the future.