Saying no to a loan request from a friend or family member is a sensitive and potentially embarrassing matter, but sometimes saying no is the best option and the right thing to do. The question is, how do we say no without damaging our relationship with the person or anyone else involved in the situation?

How to refuse to lend money to friends, family members, and acquaintances
1. Listen first . If you say no too quickly, your friend or family member may feel ignored, hurt, belittled, or ignored. Before you say yes or no, listen to the other person so that you understand their concerns and make them feel valued and cared about.
2. Ask for time to think it over. If you feel pressured to say yes, ask for 24 hours to think it over. During that time, your friend or family member may change their mind, find another solution, or borrow money from someone. At the same time, you will have time to think things over and make a firm decision to say no. If you need encouragement, talk to your spouse, a close friend, a relative, or a trusted counselor.
3. Set rules and stick to them. One way to say no is to explain that you or your partner have a rule about not lending money to anyone. This เล่น UFABET ผ่านมือถือ สะดวกทุกที่ ทุกเวลา type of refusal is more general than specific to the person who asked. Once you’ve shared your rule with family, work, or social circles, don’t make exceptions. Inconsistent application of the rule can cause resentment.
4. Be firm in your answers. Don’t delay in answering. If you have to turn down someone, don’t wait more than a day to give an answer. Don’t use words like “maybe” or “I might consider it.” This makes it seem like you want to help but can’t, or that you might say yes in the future. Instead, simply decline and affirm your answer.
5. Don’t give reasons or apologize. When you reject someone, there is no need to explain or apologize. Giving reasons opens the door for arguments and allows your friends or family to try to convince you to change your mind. Just say, “Sorry, I can’t help it.” When they ask, “Why?” just keep repeating the same answer. Eventually, your friends or family will stop asking.
6. Help in other ways. Instead of lending, you can help others in other ways. Help them buy groceries, get them to job interviews, provide temporary housing, or other possible assistance. Think of different ways to help. If you feel that their needs are necessary and reasonable, and money is the only option, you may consider giving a donation instead of a loan. If you do not expect the money back, you may get a pleasant surprise later.