Do I need to give and borrow money

Some rules for lending money

There are several rules for borrowing money. If you stick to them, the chances of a refund increase several times.
Borrow only those people in whom you are 100% sure. The circle of such people is not very big.
There is a certain amount of money that you can give in debt without fear of losing it. No matter how bitter it may sound, it is better to lose a certain amount than to lose a human relationship, since in life not everything is measured in monetary terms.
You are not required to lend when asked for it. If you politely refuse, it is your right, because you yourself counted on these savings.
Ask the borrower what the money is for and for how long. If a person asks for an emergency, this is one question, and if “for the fifth coat for a wife” - refuse, citing the lack of extra money at the moment, and correctly hint that in the next six months there will be no excessive income.
And the last rule: if you are asked to borrow a large amount of money, you must ask the question: why it is impossible to take this amount from a bank. Today, it is not difficult to get a bank loan under good conditions. And if a person did not go for a large amount to the bank, it means that he will not be able to repay the debt. This should be an alarm.

Reasons for not returning money

It is impossible to unequivocally name the reasons for not returning money, since there are a huge number of factors here. There are several main ones:
1. The debtor is in a deep financial "pit", and he does not see any opportunity to get out of it, except to borrow more. Having borrowed money to such a person, forget about the debt - they will not return it to you.
2. A person has so many debts that he forgot to give you a loan. In this case, repeated correct reminder of the return of the debt will lead to a positive result. It is up to you to decide whether to re-hire such a person.
3. The circumstances were such that the debtor simply could not return the debt in time. But at the first opportunity, he will refund your money with an apology.
4. The most unpleasant reason - you were not going to return the money. You were simply deceived.Taking advantage of personal location, you were robbed, and you gave money voluntarily.
To lend money or not is up to you. But if you decide to refuse, do it correctly, because it is not known how life will turn and what will happen in an hour. You may have to seek help.

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