People who borrow money and fail to repay it often have the following mentality:

Trust is the bridge of friendship, and self-respect is the catalyst of friendship.

People who are willing to lend you money do so because they trust you, otherwise you would not be able to borrow the money as you wish. If you borrow money and fail to repay it, then you have betrayed the trust of others and overdrafted the kindness of society.

Trust is the foundation of success. The truth is obvious, but there are always some people who borrow money and fail to repay it, but they still say it clearly and think that they are not wrong.

People who borrow money without repaying it often have the following mentality. I hope you don’t have such a mentality.

01

"A dead pig is not afraid of being scalded by boiling water" mentality: Once you have the money, you have spent it, so forget it if you can't afford it.

My colleague Lao Jiu borrowed 600 yuan from me in the name of buying a motorcycle last summer, and also borrowed money from several other colleagues.

In December last year, the unit issued a year-end bonus of 10,000 yuan, as well as some other incentive funds. I think that since Lao Jiu has money in his hands, he should be able to talk about repaying the money. But Lao Jiu didn't take the initiative to repay the money.

I asked Lao Jiu: "The Chinese New Year is coming soon. You borrowed my money, so you shouldn't wait until next year."

Lao Jiu looked unhappy: "Everyone is Colleague, you should be very clear about my situation. If I have money to pay you back, why don’t I wait until today?”

What Lao Jiu means is that I shouldn’t urge him to pay back the money at all; Understand his difficulties.

Last month, several colleagues urged Lao Jiu to pay back the money as soon as possible, but he was "dismissive" and didn't even say a polite word.

As colleagues, we see each other every day without looking up. If I borrow money and fail to repay it, I would be really embarrassed. But Lao Jiu is very thick-skinned and will not blush if he repudiates the debt.

Some people, relying on their "thick skin", simply don't take the matter of paying back money seriously. He keeps cheating and makes excuses. If he cheats and causes others to stop collecting debts, he will feel that he has succeeded in cheating, and will be very happy, and he will no longer have any sense of shame.

02

The mentality of "pay back slowly if you have money": The money is in your own hands, and you have the final say when to pay it back.

Some people don’t want to be a douchebag for the rest of their lives, but they don’t pay back money quickly. Instead, they pay a little bit when someone urges them. In his thinking mode, the borrowed money is his own money. When he spent the money, he didn't feel bad at all, but when he paid it back, he felt very bad. He felt that it was his own money and it was slowly transferred to someone else's. wallet.

For example, if someone borrows a thousand yuan from you, he will pay you back five or six times, and each time he pays back the money, it is passive, not active. Others urged him to repay the money as soon as possible, and he ostensibly agreed, but he would still delay for a while. Procrastination was his habit.

When you meet someone who pays back slowly, you should be shameless and take the trouble to collect the debt. If you are very thin-skinned, he may forget to repay the debt after a few years; if he goes to another city to make a living, then you will not be able to find a way to collect the debt.

People who pay back money slowly have a kind of "overlord" mentality. They believe that the money is in their own hands and they have the final say. When others collect debts, they still have to look at their own faces. When they are happy, Just a little bit more.

03

"Selfish" mentality: Over time, others may forget about debt collection.

Some people have made themselves rich by relying on deadbeats. For example, an old man, on the one hand, tries to borrow money, and on the other hand, transfers his property to the name of his relatives. On the surface, he has become a "pauper".

Some people think that if they keep defaulting on their debts, the creditor will give up the idea of ??collecting debts, and thus they will naturally take possession of other people's money.

One of my high school classmates borrowed two hundred yuan from me one month before graduating from high school. After graduating from high school, we gradually lost contact, and he never took the initiative to repay the money.

Last summer, our high school classmates had a reunion, and classmates who were in debt also came. While eating, he said: "Old classmate, I'm really sorry. I owe you two hundred yuan and I haven't paid it back to you. After a while, I will find a way to pay it back to you. Don't worry."

So far, this classmate has not paid me back the money. More than 20 years have passed since the year I borrowed the money. Two hundred yuan is no longer worth anything. If I go to collect the debt again, it will be meaningless.

Yes, through default, some small amounts of loans can become a mess. This way, Lao Lai can make a profit, for which he would rather lose his "credibility."

04

The mentality of "benefiting oneself at the expense of others": By defaulting on debts and dragging down other people's careers, the goal is achieved.

There is a kind of person who maliciously owes money to others. When he was borrowing money, the lion opened his mouth and wanted to borrow all other people's money. When he was borrowing money, he was thinking about how to harm the interests of others and attack others by borrowing money.

For example, a hotel owner was robbed of hundreds of thousands, resulting in poor cash flow and a capital chain problem in the hotel operation. If the other party does not repay the money for a long time, his hotel may be unsustainable.

You should be more careful with people who owe money maliciously. Such a person probably has the following characteristics: he borrows a relatively large amount of money; he is not very poor; he has business dealings with you; he is very cunning and takes money very seriously; he is very jealous.

As a person, you should be cautious when making friends. You must not borrow money from relatives and friends, which will lead to the collapse of your career. In the process of career development, before borrowing money, you must first "think twice" and see clearly the purpose of the other party's loan. When you encounter someone with impure motives, you must strictly refuse to lend money.

Shakespeare said: "Don't borrow money from others, and don't ask others to borrow money. The result of borrowing money from others is often the loss of both people and money."

Borrowing money can reveal your character. , but after you lend your money, it will be too late to see clearly your character. You really don’t need to use your own money to test other people’s character. Instead, you should cover your own money bag so that others don’t have the opportunity to “take advantage of loopholes.”

Please wake up, all old guys. As the saying goes: "You can't escape the first grade of junior high school, but you can't escape the fifteenth grade." Your evil deeds today will be your consequences tomorrow.

Money can make or break a person. Don’t be too self-righteous about money.

Author: Buyi coarse food.

The pictures in this article are from the Internet.