When it comes to borrowing money, I think each of us has more or less experienced it. We have many feelings about borrowing money from others or being borrowed by others. As the saying goes: It is not difficult to borrow again. Paying back money shows character. I use my experience to talk about the troubles caused by borrowing money:
At that time, I had just started working, which was about three years. My classmate in the secondary school (in the early 1990s) came to my workplace to borrow 3,000 yuan. At that time, I was not married yet, so I saved some money to prepare for marriage. In addition, the classmate had helped me some time before, and his relationship at school was pretty good and he often had to lend it to him. However, for the sake of insurance, I still asked him to write an IOU. Although he did not write a specific repayment date, he verbally promised to repay it in three months.
Three months later, my classmate did not take the initiative to ask me to return it, and I didn't care. It was not until more than four months later that I asked him to return it. When I went to him to return it, I only returned one thousand yuan. My classmate didn't say anything. I was thinking: If my classmate took the initiative to tell me three months later: (I heard that he followed a relative of his to do a project in Liuzhou ) the current financial difficulties, if I was not in a hurry to use this money, it would be OK to postpone the return for one or two months. It was because he did not take the initiative to return it and did not request a delay to return that I asked him to return it. The three thousand yuan was returned to me in two orders after about eight months. When I went to find him to return, I also told him some interest (angry words). In the end, he didn't give it, just a lie. It was great that I could recover the three thousand yuan. I didn't want to reminisce about it.
After this incident, I never lend money to others again. When I borrow money, I made a lot of promises to repay it. But when I pay it back, I always delayed it, and both of them were not happy.
Several years later, my junior high school classmate Wang and his classmate Wang lived in the next village. He was a medical student. He opened a clinic and a pig farm in the village. He usually saw his car coming and going, and he thought he was financially good. One day, he told me that he borrowed 5,000 yuan to buy feed and paid it back two months ago, and he also wrote an IOU. Considering that he often had to pass by his village, he looked up and saw him. Besides, pigs can be sold in three to four months, so there should be no big problem, so he borrowed 5,000 yuan to him and wrote an IOU. Who knew that he did not take the initiative to return it two months later. More than three months later, I went to the clinic to find him to pay it back, but there was no money to pay it back. Later, I learned about it in his village. Who knew that he owed a lot of debts, and he had to pay it back many times before he paid it back. There was also some unhappiness during this period.
Through these two loans, I have suffered a lot of grievances and added a lot of troubles. These two classmates lend money to them purely out of feelings. I was thinking that everyone has difficulties, and it is only a matter of helping them. Unfortunately, both of my classmates do not cherish the two-word love of classmates. If I have feelings, you must be righteous. Everyone has difficulties, but you must be honest.
To be honest, I have also borrowed money from others. In this world, it is impossible for people to be the highlights every day. Everyone has unsatisfactory times. However, if you borrow money from others, you must take the initiative to write IOU. The amount is large and the time is long. You must take the initiative to give interest higher than the bank to repay those who trust you and are willing to lend money to you. I borrowed money from my parents and younger brother, and both took the initiative to write IOU, and they all gave interest higher than the bank savings of the same period.
