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    Lending Money

    When a friend or a family member asks you for money you could be faced with a delicate situation. Thinking it's your duty to aid that person, sometimes you end up hurting yourself. Try, when you can't resist a close person, to analyze first all the data of the problem.

    1. Analyze with you heart and mind
    Look at the situation with the objectivity of a bank, combined with the sympathy you feel for a friend. If your heart and head agree you perhaps are not making a mistake helping him. If one of them tells you "No!" there is perhaps something wrong.

    2. Consult with someone else
    If a friend asks you for money, ask a third person and rely on his or hers objectivity, a person that can be another friend or a family member with a trusted intelligence.

    3. Don't be afraid to say no
    Never hesitate to refuse someone if the situation involves too a lot risks. Search for other helping choices for that person. Conduct the conversation in such a manner that your friend will understand you're refusing the request not the person that made it.

    4. Lending equals giving a gift?
    You can suggest to that person that, if his of hers financial situation improves in the future, you would be glad to obtain a present that would equal the wealth you lent to them.

    5. For your safety, sign a contract.
    When you're about to give away significant amounts of money, sign, each of you, a contract that settles the conditions and the return date of the money, and also their total amount.

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