The young people’s concept of “advance consumption” makes them “the bolder people are, the greater their production.” The son of an old colleague bought a loan for a big house during the peak housing prices. He thought that his parents could enjoy a better life in their later years, but he never thought that now, the four people who earned money could not pay the mortgage.
The old colleague is 56 years old this year. We used to work in a team and take good care of me, but since she retired, we have not contacted me for many years and don’t think she still remembers me.
Some time ago, an old colleague called me on WeChat and said that his son had changed to a big house, and the old couple also sold his old house to help. As a result, during the past three years of epidemic, his son's income has dropped. He really couldn't pay back the mortgage for a month. He asked me if I could lend her 100,000 yuan. She and her husband paid me back every month from their pensions, and it was over.
I listened to her nagging a lot about the difficulties of parents of our generation of only children. I wanted to refuse directly, but I still found an excuse for myself. I said to her: Sister, I understand your difficulties, but my child has not yet started working and started a family. There are many places to spend money in the future. If I say I don’t have this 100,000 yuan, it’s a cheating on you, but now I’m in the bank, so you can pay it back at the three-year interest rate, but your son needs to write me an IOU.
Who knew that after hearing this, this old colleague cursed and said to me: Among old colleagues who have been borrowing some money, they also need interest, and they also ask my son to write an IOU. Are you afraid that I won’t pay it back or are you afraid that my son will not admit it? doesn’t even have basic trust! If I borrow from you, I might as well find a bank loan! She was indignant and hung up the phone after saying that.
Is it because I am indifferent or too worldly? In fact, in real life, it’s easy to borrow hundreds or thousands of dollars, but is it necessary to pay interest to borrow 100,000 at once? No one's money is blown by the wind, not to mention that we are all retirees, and our ability to make money has declined. Moreover, we are also on the road of aging. Which one will arrive tomorrow or an accident first, who can predict?
Everyone has paid tuition fees on their way of life and once lent 10,000 yuan. When I returned it to me 20 years later, I still felt that I had won the income of an ordinary employee. It would be very frugal to be able to save another person’s salary every year. More than 20 years ago, my wife’s old classmate came to her house to borrow money and said she wanted to start a business alone.
Because my wife and this classmate were brotherly love between the upper and lower bunks, she withdrew the only "huge" certificate of deposit in the family at that time, and it cost a full ten thousand yuan. In the 1990s, that was the savings that our couple had saved for many years.
My wife wrote on the IOU that year that the interest was paid according to the annual amount, but it was not given since the first year. With the restructuring of our unit, we gradually gained more savings. I am thinking about this loan of 10,000 yuan, but I am unwilling to quarrel with my wife over money, which hurts the relationship between the couple.
More than ten years later passed. Not only did my wife and classmates not only failed to repay the money, but they also lost contact. The people who lent him money to him went to his parents for money and even filed a lawsuit with the court. My wife told me that if a big man hadn’t encountered a problem, he wouldn’t want to pay back the 10,000 yuan.
Because they are both systematic, my wife’s classmate’s sister and I were also a junior high school classmate. So I just pretended to be "donated" and didn't make things difficult for the elderly. Unexpectedly, 25 years later, my wife's classmates called him and transferred 10,000 yuan directly from WeChat.
When my wife transferred it to me, I actually felt like I was "winning" in . My wife's classmates said that he borrowed money from more than 20 people around him, but only his wife did not jointly sue him, so he wanted to be the first to pay back the money to us. Although it was many years late and there was a lot of interest, it felt good to lose it again.
Many people say that 10,000 yuan in that era could do a lot of things, but for more than 20 years, there was no interest back to you, which depreciated a lot. But I think that is better than good. Many people have paid for such tuition.
A friend lent money to an old colleague. After the misfortune happened, the old colleague's partner and children said they didn't know about it
Before I retired, our former master and our old colleague were also our old colleague. His son borrowed money with the sisters who worked with us at the unit when his son got married.
I was on vacation at that time, and he called and said he would borrow 10,000 yuan. I replied directly to him because my wife went abroad and I only had this month’s salary and had to give my daughter who was studying, so I had no money to lend him.
After going to work, other sisters asked me if I had borrowed it? To be honest, I didn't have it, and a kind-hearted sister lent him 10,000 yuan. No one was thinking about this, but a few years later, this old colleague suddenly had a heart attack and left.
The sister who lends money to an old colleague was panicked because she didn't write an IOU, but just said, "I'll pay it back when I have money." Unexpectedly, the old colleague who takes several thousand yuan in retirement payments every month always said that she had no money and her retirement salary was stuck in her son's hands to pay off the mortgage for her son. The funeral of old colleagues such as
was completed. My sister took the screenshot of the borrowing money and the transfer record from her mobile phone and found his family. Unexpectedly, her husband and son said that they didn't know about this matter and did not admit the loan.
Later I heard that they had quarreled many times, and I heard that they had consulted a lawyer. As for the family of old colleagues who had not paid back the money, we were embarrassed to inquire, but this matter was really a lesson. Although money is a good thing, people's hearts may not be kind. It is still necessary to learn to protect yourself.
After retirement, it is better not to borrow money from former colleagues. It’s not that we are indifferent or that we are sophisticated, but that people’s hearts really cannot test . It is easy to lend money, but it is difficult to pay it back. It will not only hurt your feelings, but also cause unnecessary trouble to your children.
When people get old, don’t have money dealing with people who are not worth it. No matter how high interest the other party gives, don’t be because of how miserable the other party is. Learn to protect yourself and keep your money bag .
Why don’t you lend money to others easily after retirement?
First of all, after retirement, we have low ability to make money, and more places to use money, and the losses we can bear in are smaller. Therefore, within the range you can afford, it is okay to borrow hundreds or thousands, but it is better to refuse large amounts of loans to avoid unnecessary entanglements for yourself and your children.
Secondly, in life, there are many places to borrow money on the Internet. Those who really need to borrow money can borrow money directly from the Internet. The reason for borrowing money from retirees is not necessarily because of the deep feelings between you, but because the borrower is based on "If you have dates but no dates, you can get three poles". In the heart of , it is best to borrow money that does not have interest. If you can't borrow money, you will naturally think of other ways, and you don't have to sympathize with anyone.
Finally, after retirement, after retirement, the only people who are really good for ourselves are our family . There are not many outsiders who hope you will live a better life than him. This is normal human nature, and we don’t have to be angry. Learn to protect yourself, talk less about your savings, and boast less about your child’s income. Be more low-key and live your life well. Because many times, your kindness may not be rewarded, but more of it is an unexpected "unexpected joy".
Do you think my old colleague can borrow money like this? Am I doing this wrong?
Author: Huagui Zenxin
Follow my words and enter your heart. You have stories, I have tea, let’s talk about the rest of my life together.
The pictures in the article are from the Internet.
