Do they pay off debts and passionately? How to borrow, repay loans and how to lend money - signs

Ecology of life: To borrow money when you need it and give when asked, learn to love and accept yourself and your opinion about debts...

The most inconvenient situation with relatives, friends, acquaintances occurs when you need to borrow or are asked to borrow money.

First, let's look at why you avoid lending money.

• Most likely, you think that you need to solve your financial problems yourself, that borrowing money is not worth it. Therefore, you don’t understand how another person can do what you don’t allow yourself.

• Another reason is concern that the debt will not be repaid to you. Perhaps, somewhere deep down in your soul, you yourself would like not to repay your debts (most likely, you don’t even realize it) and you unwittingly expect the same behavior from your debtor.

Answer these questions honestly and accept any answers.

Few people know that You can only lend an amount that you agree to part with forever. Even if a person asks for money in whom you are 100% confident. When lending, always keep in mind that your money may not be returned to you. Based on this, determine the amount of money you can lend.

When lending, do it easily, think that your money will benefit the person, transfer positive energy with it.

By doing this, you will not experience negative emotions, even if the person for some reason does not return the debt to you. In this case, think about why this happened. What could cause such behavior in you, what needs to be changed in yourself. Perhaps too much dependence on money, distrust of people, condemnation of those who borrow money or do not repay debts.

If you feel like you don't want to lend, don't do it. Such money will not bring benefit or satisfaction to either you or your debtor.

Now a few words about how to borrow correctly.

Debt is one way to block the flow of money into your life. Unless, of course, you do it wrong.

There are two approaches to debt:

• first- this is an opportunity to develop your business, profession, training, moving forward,
• second- take money for something that you have not yet earned, have not “grown up” in your development system, but really want to HAVE.

​

In the first case, you use money for development - with the goal of bringing usefulness to people, the world, and yourself.

In the second case, you are blocking money energy, because... you violate one of the laws - “we are given according to our needs.” If you are not yet receiving amounts of this level, then there is no need, which means you just need to “grow up.” At your level, borrowing large sums of money will only make matters worse. Such debts can lead you into a vicious circle where there is only a desire to have and receive, but there is no need to give. Very often, such a circle leads to huge debts and serious problems.

Therefore, whether to borrow money depends on how you feel about this issue and what you need the money for - spend it on satisfying momentary desires or use it to achieve your goals.

To borrow money when you need it and give when asked, learn to love and accept yourself and your opinion about debt.

• Understand the reasons why it is difficult for you to borrow or lend money.​

• Stop judging people who do not fulfill their obligations - and such people will not appear in your life.​

• If you are constantly short of money, think about how to minimize expenses and increase income.​

• If you borrow, do it consciously and purposefully. published

Of course, all such superstitions “grow legs” from pagan times. Our distant ancestors believed that it was necessary to treat you in a special way, with respect, to follow certain rules, then money “wouldn’t hurt you” and would be found in the house. In essence, the qualities of an animate being were attributed to money. So, if you “release” money from the house after sunset, instead of letting it spend the night, the money may become offended or forget the way home - and not return again. At the same time, it is believed that it is undesirable not only to lend after sunset, but also to borrow. Debts are supposed to be repaid in the morning - then the money will be available.

According to popular belief, if you borrow money for the waxing month and return it during the waning moon, preferably in small bills or coins, this will attract wealth to your home.

What to do if the debtor brings money in the evening?

If your debtor decides to return your money after sunset, of course, you shouldn’t refuse it - who knows whether the return in this case will be delayed indefinitely? But if you want to do everything “by the rules” and not bring financial bad luck on yourself, do not take money from hand to hand. Ask the debtor to throw the bills on the floor and then collect them. So at the same time you will perform a ritual that should attract wealth to you.

By the way, in a store it is also better not to pass money from hand to hand, but to put it in a special plate and take the change from it.

Just don’t forget: you’re supposed to take money with your left hand, but give it away only with your right hand.

How to borrow and pay back money correctly

Try to help others more often, and borrow less often yourself. By lending money to someone else, you are asking for the money to be returned. It is always better to repay your debts in smaller bills than you took out. You should not lend money - otherwise your money will melt away all week. And you shouldn’t pay for large purchases on this day – for the same reason. But it is not advisable to repay the loan.
Avoid taking on debt - it is believed that in this case there is a chance to spend your whole life in debt.
To believe in omens or not to believe is up to you. It is believed that for everyone exactly what he believes in will come true. However, there is a completely reasonable explanation for this: after all, expecting failure (or, conversely, profit), you seem to subconsciously attract it to yourself. So, perhaps the wisest thing to do is to believe only in good omens - and most importantly, do not lend money to unreliable people!

An interesting question: is it possible to lend money in the evening? The centuries-old experience of the development of human civilization is based on knowledge, customs and folk superstitions, which also relate to monetary issues. People, looking closely at the behavior of other people, comparing the causes and consequences of different phenomena, noticed patterns and made certain conclusions. So what does folk wisdom say about loans?

The best loan offers according to the editors:

Popular money signs

The most popular signs related to money are familiar to many. The following traditions are popular:

1. It is better to lend money with your right hand, and to receive money back with your left.
2. It is correct to give only small coins to the poor.
3. It is prohibited to lend money on the 13th and 31st of any month.
4. On Sunday and Monday money is not given away, otherwise it will not be returned to the owner or will be wasted by him.
5. Money given on Tuesday will lead to the debts of its owner.
6. It is better to lend money not in the dark.
7. Money is not transferred from hand to hand. It is better to place the bills on some surface so that the borrower can take them with his own hand.
8. Christmas and Easter are prohibited days for borrowing money.
9. You cannot receive borrowed money back in bills of a lower denomination than they were given.
10. When giving money, you need to fold the bills in half and pass the open side to the person asking.
11. It is better not to take on debt on the waning moon.

It is believed that lending money is more profitable than asking for a loan. The giver, as it were, deprives himself of the opportunity to increase his fortune.

Is it worth borrowing money in the evening?

When is it better to give or borrow money? This question worries many. According to astrologers, there are favorable days and times when it is worth borrowing money and getting a loan. As for evening time, most signs agree on one thing. That's right - donate banknotes not in the evening, after sunset, but in the morning.

If the situation is hopeless, then transferring them, for example, in an envelope, will serve to preserve finances. You can also put money on a table, stand, or shelf, from which the future debtor will take it.

Interesting! By transferring money across the threshold, its owner programs it for non-return. If the owner does not want to let the debtor into the house, he should go outside or at least stand on the threshold.

There are many popular signs regarding money relations. There is so much information about this in books and on the Internet. Everyone decides for themselves whether to believe in them or not.

The moral side of the issue: how to formalize the transfer of money

So that the giver does not feel hostility towards the debtor when the latter does not return the money to him, it is worth deciding in advance on the amount that you would not mind giving away irrevocably. If the debt is repaid on time and in full, both parties to the financial relationship do not experience negative emotions towards each other. Otherwise, the loss of a small amount will serve as a reason for the creditor to never have a relationship with the debtor.

Important! In money matters you cannot always trust a person, no matter how good he may be. In order not to spoil relationships with friends or relatives, it is better to lend money against a receipt.

The receipt is written in the borrower's handwriting. No matter how insignificant the amount may be, before you issue a receipt for a cash loan, you should find out about this document.

What is best to consider when drawing up a receipt:

1. The place of registration must be indicated.
2. The person who takes out the loan enters his personal and passport details in full.
3. The amount should be indicated in numbers and words.
4. The date when the money was received is indicated.
5. The loan repayment period must be issued for a specific day or the number of days or months for which the debtor intends to borrow money must be specified.
6. If the loan is issued with interest, it is necessary to indicate the amount of the commission.

For those who find it difficult to part with money even with a receipt, it is better not to keep large amounts of cash at home. In this case, the reason for the refusal may be the fact that all the money is in a bank account, card or invested in the business. Moreover, money, when it works, can bring income to its owner. As a rule, in order to stay on good terms, you need - this is our special material, which will be useful to everyone, without exception.

People most often ask for a loan from good friends or close relatives. Borrowing money is a way out of a difficult financial situation, but you shouldn’t get carried away with getting a loan, because the time will come to give back what you borrowed. For those who still have questions about how to borrow money correctly, we advise you to read.

If you want to lend money, expect problems. Advice from experts - why you shouldn’t lend money! Save it for yourself.

Probably, at least once in their life, every person is faced with a dilemma: is it possible to lend money?

This question especially torments those who have too many beggars in their environment!

Today we will talk about why you should not feed such a dangerous species as the “common beggar” and how to avoid the mistakes of people who lend money too often.

Borrowing money: need or lifestyle

Almost everyone has one person among their acquaintances (and the most unlucky ones have several individuals) whom they are terribly fond of asking borrowed money.

Moreover, most often he/they do this not because they need it, but because they are sure that life is easier this way!

Indeed, why think about your future, optimize your spending, be able to say “No” to your desires, diligently save for things you like, if you can do much smarter (from the point of view of these beggars, of course) - ask for loans.

But you, out of the kindness of your heart, gave money, the beggar bought himself a computer/cool leather jacket/box of ice cream (it doesn’t matter what) and everyone seems to be happy.

Problems will begin when you hint that it’s time to pay off your debts.

And then your debtor will begin:

• pretend to be a hose and pretend that it was not a loan, but a gift;
• whine: “I am so poor, and you are a satrap, a murderer and a huckster, you want my death, demanding money that I have no trace of”;
• hide from you in all sorts of holes;
• use the tactics of a young rooster, that is, attack: “I don’t have it!” Will not give it back! And you won’t do anything to me!”;
• feed you endless breakfasts: “I’ll definitely give it back next week!”..Exactly, exactly, exactly - and so on ad infinitum...

Naturally, these are not all possible scenarios, but the most popular.

Why shouldn't you lend money?

Experts answering the question “ Is it possible to lend money??”, they give a unequivocal answer: “Under no circumstances!”

Even a huge number of proverbs, such as “If you want to make an enemy out of a friend, lend him money”, “Where money begins, friendship ends”, etc. indicate that you should not act as a creditor for loved ones.

Naturally, there are situations when your best friend or closest relative, in whom you are absolutely sure, asks for money, for example, for an operation on a sick child.

But this is rather an exception to the rule.

And then, you should think 101 times before deciding to borrow money!

We want to be considered good people, which is why we feel this way when someone close to us asks for help.

But, if this closest one smoked out his conscience back in first grade, then he will provide you with a suitcase of problems and still, in the end, you will turn out to be bad!

“...Do not borrow and do not lend;
It’s easy to lose a loan and a friend,
And loans dull the blade of the economy.”
W. Shakespeare.

This is exactly what happened to two of my friends.

Maxim didn’t even think about the question “ Is it possible to lend money? when friend Sasha asked him to borrow 10 thousand dollars to buy a car that he needed for his business.

Maxim worked abroad, trying to earn money for an apartment.

He had just brought this amount from his next voyage abroad and instead of putting it in the bank, he decided to help Sasha.

He, happy, bought a car and began to promote the business.

Maxim was in no hurry to repay the debt. Sasha pretended that he didn’t owe anyone anything at all, and in response to Maxim’s timid phrases, “Haven’t you collected the required amount yet?”, “Couldn’t you give me at least part of the debt?” answered verbosely: “No!”

So a year passed.

Maxim began to get nervous and was more demanding in calling for the money back.

Sasha put on the image of a victim and complained to all his friends: “He thought he was my friend, but he is a soulless huckster! He shakes me over some 10 grand when he earns millions.”

It all ended very unpleasantly: Maxim turned to unlicensed collectors (bandits, roughly speaking) for help. Sasha returned the money within a day (without any difficulties, by the way), but the friendship, of course, fell apart.

Broken relationships are not all the reasons.

Firstly, money doesn’t like being handed out left and right.

They begin to get offended and come to a more thrifty owner.

And secondly, money must work.

A bank deposit, securities, or real estate are opportunities not only to save money, but also to multiply it.

What to remember if you decide to lend money!

I repeat once again for those who are wearing a helmet: “It’s not worth borrowing your hard-earned money!”

If you still decide on such stupidity, then protect your funds to the maximum:

1. Think about who you are giving to borrowed money, how reliable this person is, whether he has a habit of living on borrowed time, how good his credit history is, whether his financial condition will allow him to pay off his debts, etc.

Be sure to ask why he needs money.

If the reason is valid, that’s one thing, it means the borrower has weighed the pros and cons.

If you heard in response: “Yes, I’m tired, I want to go to the Maldives for a week,” then run away from this windy fool without looking back.

Provide a notarized receipt.

Yes! Even if you lend money to your brother or girlfriend with whom you sat on neighboring potties in kindergarten.

You won’t agonize over whether you can lend money if you remember 5 rules:

“The apostles said this: “If you lend money, it means you don’t need it (you have something to live on). And therefore, be prepared to part with them from the very beginning when you gave them!”

Don't tell people about your income.

Even if you really want to brag, even if you are interrogated with passion: “How much do you earn?” – it’s better to remain silent. Rich people are sure targets for beggars!

• Don’t be afraid to say: “I don’t have any free money right now,” and to smooth out the refusal, offer alternative help: give things or food, take you somewhere in your car, etc.
• Recommend special literature to the eternal beggar, such as “How not to be in debt all your life”, “Live frugally, and not constantly borrow”, etc.

Tell the person asking how to properly earn the required amount.

For example, the Internet provides a sea of ​​opportunities for additional income.

Advise him of a bank that gives loans at low interest rates.

After all, that’s why banks exist, so that people don’t look like beggars, begging for money from more successful relatives or friends.

I advise you to watch a VERY instructive video,

where they talk about why debts are so rarely repaid!

Take note and change!

I hope you understand why you shouldn't lend money, and the dangers of permanent loans.

Don't repeat the mistakes of others: don't feed beggars.

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“...Do not borrow and do not lend;

It’s easy to lose a loan and a friend,

And loans dull the blade of the economy.”

W. Shakespeare.

Debt is a swamp. And it doesn’t matter at all: you borrow, they borrow from you.

Successful people do not lend money, and they themselves live without debt.

In what cases should you not lend money?

Of course, people should help each other. Whether to borrow money or not is everyone's business. But you should clearly understand that if you decide to lend money, you risk disrupting your own plans, losing not only money, but also a friend, as well as your peace.

You cannot lend:

• large amounts;
• last money;
• other people's funds that are in your custody.

• strangers;
• to someone who does not know when he will return the money (and from what purpose he will return it);
• a person to whom you have some obligations (he will not return it, since he will consider that he has the right to do so).

And it’s not just that you risk not seeing your money. You need to think about the debtor. By deciding to give a person a loan, you deprive him of the opportunity to develop and learn to live independently. Perhaps he would work harder, find ways to change his habits, etc.

It is very important to evaluate yours in a timely manner. It’s hardly worth living among eternal beggars who don’t want to do anything on their own. You need to boldly say “no” to such people.

Do you still really want to lend? Are you used to lending money? Well, it's up to you. Then risk exactly the amount that you don’t mind losing. Don't forget to ask what purposes your money will be used for. And be sure to get a receipt from a notary. Yes, don’t forget to consult with your grandmother).

Surely she will tell you interesting tips that have come down to us from time immemorial:

1. Don't lend money after sunset.
2. Do not borrow money for church holidays.
3. On Monday you lend money and you take all the money out of the house.
4. On Sunday, if you lend money, be prepared for the fact that the money may not be returned.
5. Don't give to the poor and unlucky unless you want to go broke yourself.
6. If you want to lose a friend, lend him money.
7. You cannot lend on a waning moon.

Value your money! Don't lend!

P.S.

Parable about debt from Osho.

A young man, sitting with friends in a crowded teahouse, complained to them:

A month ago, I lent two silver coins to the merchant Jafar, but this happened without witnesses. Jafar still hasn't given the money back. I'm afraid that if I demand my coins back, he will deny that he borrowed money from me.

Friends began to say that the young man’s action was indeed reckless and that, perhaps, the money would not be returned.

But the wandering dervish, who had been quietly dozing all evening in the corner of the teahouse, suddenly raised his head from his knee and said:

Invite the merchant Jafar here and demand, in the presence of all these people, that he immediately give you the twenty gold coins that you lent him a month ago.

How can I say this? - the man exclaimed - This is a shameless lie, I only lent him two silver coins!

These,” the Sufi laughed, “are exactly the words that he will shout back to you. And note: each of those sitting here will hear it. You needed witnesses, didn't you?