Do your best when it comes to work; do your best when it comes to money

Chatting with my colleague Li Lin, I learned a little thing.

Li Lin has a colleague A who has been with him for more than ten years. When they first came to the company, they were both in the logistics department, and generally they could get along well with each other. During this period, due to job transfer, A worked out of town for five or six years and was transferred back last year. So there were two other old colleagues who had a good relationship (no longer in the same company) and would invite him out for drinks and chat from time to time.

One day in March, everyone was drinking together again. A said that he wanted to get a loan to buy a car. Anyway, he had to swipe his credit card and repay the loan on time every month. Instead of paying interest to the bank, he might as well give it to a friend, so he asked Can I use Li Lin’s credit card?

Li Lin didn’t think much about it. He didn’t want to earn the interest on the loan. He thought that even his colleagues could repay the loan on time, and he drank a little too much, so he readily agreed! The next day, A went to pick up the car and made a 50% down payment. He also used Li Lin's credit card for more than 60,000 yuan. The loan period was one year and the monthly repayment was about 5,500 yuan.

A is very grateful to Li Lin, and Li Lin feels very happy to have helped his colleagues. Repayment in April was normal, but problems started to arise in May! Around the 20th, A called Li Lin and asked him to ask the bank whether he could repay the car loan in installments this month. Li Lin's heart began to beat. At this time, he began to feel that he was a little hasty in paying off the loan for A!

On the 26th, A called Li Lin again and asked the bank if the loan could be re-installed. Only then did Li Lin realize that this month's loan A could not be repaid! Because the installment payment has already been made that month, there will definitely not be any more installments. The repayment period was the 28th, but until the 30th, Li Lin did not receive any repayment information, and A did not call Li Lin.

Li Lin was extremely anxious and couldn't help but talk to his wife. Unexpectedly, his wife became so angry that she scolded Li Lin for being too simplistic and still hasn't talked to him until now.

I comforted him and said, "Could it be that A had an emergency and needed the money, so he can't pay it back for the time being?"

Li Lin shook his head, rubbed his fingers and said: "These are just words to comfort myself. Now I realize that I thought too simply! I didn't consider his ability to repay, I didn't even think about it. It exceeds our own financial ability.”

It turns out that Li Lin had just paid off his car loan not long ago, and he had just relieved himself of the pressure of car loan. If A really can't pay it back, the credit card is in his own name. For the sake of credibility, Li Lin can only advance it himself! A hasty decision caused the family, whose economic situation had just begun to improve, to face a new round of "expenditure compression", and it was for others!

After hearing about Li Lin, I suddenly remembered the sentence I read in "Zeng Guofan's Letters from Home" a few days ago. The general idea is: Anyone who comes to the capital from his hometown to look for him, he does his best in doing things. But do it within your means financially. If Li Lin knew this sentence, then his "encounter" could have been avoided.

The "fellow fellow" in this sentence can completely include colleagues and friends around you. Although in modern society, money seems to be indispensable for doing things, but we can handle doing things and borrowing money separately and differentiate the degree of help. We should not only take the friendship of neighbors into consideration in our actions, but also consider our own welfare. The actual situation really gives us some golden quotes on how to deal with such issues.

When Li Lin swiped the card for A, he did not consider his actual situation, let alone whether his family would be able to afford it if his friend couldn't afford it. Just like a very good friend asks you to borrow money, you may only be allowed to lend 10,000, but considering that the friend will be unhappy, or you think you should help him more, you give him 15,000 or 20,000. And finally? It's definitely not your friend who is tight. If you can't live within your means when it comes to money, you will be the one who is most bothered and troubled when problems arise.

Many times, we confuse work with money, thinking that since we have promised our friends, we should do our best regardless of the money or effort. But in fact, it's really not the case. You really have to live within your means when it comes to money, but you can do your best when it comes to work.

Some time ago, a friend of mine came to my city to study. Because of the issue of accommodation invoices, he asked me if I could help find a hotel to issue invoices. After asking all the friends I know, there really is no direct contact with the hotel. I didn't give up, so I asked around, asking my close colleagues to ask friends around me, and looking for connections with my former colleagues.

My father advised me: "If it's really not available, forget it, there's nothing we can do about it!"

I said, "It's okay, just ask a few more people, maybe it will be found."

In the end, I found out that the brother of my cousin’s colleague opened a hotel. So through these many twists and turns of "relationships", an invoice was finally issued, but the friend had to bear the tax.

When my friend asked for help, she didn’t really think much about it. She just felt that she was not familiar with the place here and that she should try her best to help her.

Between people, whether it is between friends or relatives, all kinds of complicated things about money and work will often happen. If you cannot grasp one degree and one point, To some extent, these things will cause emotions, tension, and even friendships and relationships to break up. It may be well-intentioned, but end up with bad results.

In terms of work, do your best; in terms of money, do your best. This is not just an attitude, but a philosophy of life.

Try to experience it!