借錢给亲友的五大黄金法则

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Getting hit up for a loan can make you feel like you’re stepping into a minefield. In today’s economy, it’s easy to understand how someone can f兒童早教玩具,ind themselves in a dark place financially. On the one hand, you want to help out a loved one who’s in need.
當有人向你借錢時，你會感触如踏雷區。在現今的經濟情势下，要大白别人若何身處財務恶梦其實不是一件难事，但另外一方面，你也想帮忙亲近之人解脱危機。

On the other hand, you’ve heard the stories about loans gone wrong, with friendships ruined and families torn apart. Also, you may be depleting funds that you might need yourself, says Irene S. Levine, Ph.D., psychologist, author and producer of TheFriendshipBlog.com. Eve掉髮治療方法,n if you’re sure that the asker will pay you back, it’s hard to know if you should proceed.
但是，你必定没少听過如台北當鋪,许的事：借錢借出了問题，致使友谊决裂，家庭破裂。TheFriendshipBlog.com網站作者兼编纂，生理學博士艾琳•S•莱文暗示，你另有可能是以花光本身必要的錢。即便你确信告貸者會還款，你也不肯定是不是该把錢借出去。

To help guide you toward making the right decision, we asked financial experts to share five key things to consider before cracking open your wallet.
為了帮忙列位在打開錢袋前做出准确的决议，咱们约请財政專家向大師分享了5點贵重定見。

Rule 1: Only Say Yes if You Mean It
法例1：想借再借

If you feel guilt-tripped into making the loan by the asker (“I’m desperate!”) or you question your own hesitation (“I must be a bad person or I wouldn’t feel conflicted”), then turn her down, says Levine.
莱文暗示，若是你由于惭愧才告貸给哀求者（“我走投無路了！”）或质疑本身的夷由未定（“我必定是個坏人，不然我就不會這麼抵牾了”），那末就選擇回绝。

If you do cough up the cash when you aren’t sure you want to, you risk feeling resentful, and that can cripple the relationship before it’s even time for her to repay you. Not going through with the loan doesn’t make you selfish or a bad friend; the response may actually protect your bond, she adds.
若是你在不肯定是不是想要借錢時委曲借錢给對方，那末你极可能會感触愤激不满，這类感受乃至會在告貸人還款前就捣毁你们間的交情。莱文弥补道，不借錢不料味着你很自私或是一個分歧格的朋侪，准确的回應才能真正保护你们間的豪情。

Levine suggests graciously declining with a sentime百家樂,nt like, “I’d really like to help, but I don’t have the extra money to loan right now.” If you feel like you need to explain further, mention an unexpected expense you were recently hit with, such as higher health insurance premiums, or something you have to save for, like your kids’ college education.
莱文建议，婉拒對方時需带着一种感情，好比“我真的很想帮忙你，但如今手頭上没有過剩的闲錢。”若是你感觉有需要再做進一步诠释，那末可以提一些近期碰上的不测開消，好比高额保险费，或像孩子的大膏火用這种必要存錢的耗费。

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.
下一步關心的做法是，帮忙告貸者找寻其他告貸来历或想法子减轻其债務（若是這是其面對的處境）。真實的朋侪或亲人會接管你的回绝并感激你供给的任何分外帮忙。若是對方不這麼做，那末這段友谊仍是在你供给任何資金前先决裂為妙。