Hi Everyone,

Off topic question.. How all of you manage money request from relatives and friends.

If you say no by giving some excuse, they will continue to ask in next few months.
From my experience, rarely anyone returns the money borrowed. Suddenly amount become too insignificant for them to remember (one of my TCS friend just told me that I'm feeling too desperate for 25K. he yet to return it since last 6+ months. whereas he continue to enjoy family trips.

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I thought, this type of people only are in my life, Glad to hear your story, sorry, but don't give anything to them. Btw let me know the best excuse?

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I keep all my money in a account where there is no internet banking, credit card, debt card and only passbook. So main expenses account always has a less amount and before giving anyone even 5k I always consult and take permission from my parents and wife.

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For friends, always reply your salary is handled by your parents and they only give you pocket money.
For relatives, first never say your complete salary. Tell them that you have education//personal loan and your money is used to repay it. Make sure your parents are aligned to what you say and tell them not to boast your salary to all.

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gave 2 lakh to a friend a year back.
he was supposed to return by 2 days as bank was close and he wanted It urgently.
since then he baught multiple plots and doing house renovation as well.

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Saying no is hard but the simplest way to avoid anxiety in future. We hv to beg for own money, that’s the worst. Better create an image where people think twice before asking for money. Dosto, rishtedaaro me thoda naam kharaab hoga bt at least mann ki shaanti rahegi.

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Baat badhiya lagi +1

I also had so many bad experiences. so I would say only give money if you are 99% sure that you will get back without so much follow-up.

and if you know that chances of coming back is very less but still to maintain the relationship sometime we have to give them. so in this case just think how much money you can lose without any hesitation then give them just that amount and forget.

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I say no to any money requests from anybody. Money adds unnecessary complications to any relationship. If you give someone money your relationship is bound to get bitter so i feel it’s better to say no upfront and at least your money is with you.

Buddy, challenge is while asking money they act very troublesome.. My cousin brother (rich businessman according to his family) called me at night for 50k as he was in middle of his Mathura trip and said bhaiya don't say no as it's start of month for my salary.. When I ask him to return the money.. Initially, he said to give it in few days and at last told me you are earning good sum and 50k should be small amount for me. Whereas he is suddenly facing issue with his business. Had similar kind of conversation with TCS friend today..

Feeling biggest stupid.. I make mistake while giving money and later they made you guilty for asking my own money..

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Everytime they asked just show your bank balance…banck balance of that account in which amount is less than 10k

Buddy apna dil strong krna hota hai
Or aisa bhi nai ki bilkul dene nai chaiye..bas use do jahan se mang sako
Or milne ki umid ho
Maine khud last month 10l dosto se uthaye hai..and they know i will return

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there's a post in fishbowl about this , give it a search that will help you with your answers

I just tell my frnds that i invest 80% of my salary as soon as i get it into stocks, MFs, NPS. And rest is necessary for my monthly expenses. It is actually true to certain extent as well. As my savings ac has mostly 1-2L after all my investments at the beginning of the month.

In case of relatives, I had helped out in the past in few occasions. Around 50-60k in total. And that money i hv forgotten. If i am able enough to help someone really in need i do. And for relatives i forget the money. But it’s not like they are having vacations and all. Sometimes the need is genuine.

Same goes for those frnds who need small amounts like 50k max. And whom i trust enough to return it to me. And in worse case if they don’t, it’s good charity.

"Good Charity" .. I really doubt that... because it's not about money , it's about the "izzat" they have for us. Some think like: he earn well .. it's not urgent for him and never return. If they have this type of ghatiya feeling, then I will never term it as a good deed. It is called "being cheated" and it obviously means they have no respect for us... People used to be so honest ... now most of them are turning money minded...

Say Nooooooo and don’t entertain them.
Idk why it’s too tough to say 💁🏻‍♀️

Bol do loan lia ha tumne , ya papa ka xyz bimari kharcha karna ha ya xyz operation karana ha, ya share me bohut loss hogaya ha. Bohut reason ha.

1. I invest whole salary on 5th of every month post emis and use credit card for expenses.

2. mere ko atleast 10% return hai sab jagah se, 3 cheque Dede, 12% kaat ke abhi transfer karta hoon.

3. paise waise ki game nahi hai bhai apne pass, Mera to aise hi 7-8 lakh fasa hua hai, main to ab nahi deta kisi ko 500 bhi.

4. Main kisi se wapas maang nahi pata hoon or Bina maange to koi deta hai nahi wapis. Main ye sab mamlo se door hi rahta hoon.

Usually I tell that Personal Loan Emis , Rent , Credit card emis cumulates to 80% of my salary... Struggling with my savings itself what do you expect me to do

Never disclose your salary to anyone, unless it's your family members and ask them not to boast about it. Say no to them and show a second account which has less than 8-9k in the account.

1. Clearly say you don't have any money.
2. Lost it in stocks.
3. Cannot break FD
4. Given a loan to a close friend. I'll give you when friend returns.
5. Lost in NFT/bitcoin or some shit.
6. Say you only have 5k in savings.

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