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DJ JOHN PRESENTS
当有人向你借钱时，你会感到如踏雷区。在当今的经济形势下，要明白他人如何身处财政噩梦并不是一件难事，但另一方面，你也想帮助亲近之人摆脱危机。
然而，你一定没少听过这样的事：借钱借出了问题，导致友情破裂，家庭破碎。TheFriendshipBlog.com网站作者兼编辑，心理学博士艾琳·S·莱文表示，你还有可能因此花光自己需要的钱。即使你确信借款者会还款，你也不确定是否该把钱借出去。为了帮助各位在打开荷包前做出正确的决定，我们邀请财务专家向大家分享了5点宝贵意见。
Rule 1: Only Say Yes if You Mean It法则1：想借再借
If you feel guilt-tripped into making the loan by the asker (“I’m desperate!”) or you question your own hesitation (“I must be a bad person or I wouldn’t feel conflicted”), then turn her down, says Levine.莱文表示，如果你因为愧疚才借款给请求者（“我走投无路了！”）或质疑自己的犹豫不决（“我一定是个坏人，否则我就不会这么矛盾了”），那么就选择拒绝。
Rule 2: Lend Just What You Can Afford to Lose法则2：借出的数额在你能承受的范围内
Your friend or family member may check all the boxes for being trustworthy, financially stable and reliable, but “things can happen that prevent them from paying you back as originally planned,” says Byron Ellis, a Certified Financial Planner (TM) and managing director at Ellis and Ellis, a division of United Capital Financial Advisers in The Woodlands, Texas.你的朋友或亲人可能会在借钱时向你承诺自己是守信、经济稳定且可靠的人，但拜伦·埃利斯表示，“可能会发生什么事导致他们不能按时还款”。埃利斯是一名注册金融理财师，也是美国德克萨斯州伍德兰市联合资本金融顾问公司Ellis & Ellis部门的总经理。
Rule 3: Create a Firm Repayment Timeline法则3：制定严格的还款时间表
Ten years ago Emily White, 43, lent her younger sister $20,000 to buy a house near their elderly parents, without discussing a repayment date for the loan. “I loved that my sister would be there for my parents, and the idea was for her to pay me back once she got settled and found a new job, since she had moved from out of state,” recalls White.十年前，43岁的艾米丽·怀特借给妹妹2万美元，让她在她们年迈的父母身边买了一栋房子，但是两人并未就具体还款时间进行讨论。怀特回忆说：“我妹妹为了父母来这安家我很开心，因为她从外地搬来，一旦她安顿下来找到新工作就会还我钱。”
Rule 4: Always Put the Loan in Writing法则4：借款须有书面记录
Memories fade, priorities get shifted and clashing opinions over what you originally agreed to can cause problems between friends or family, says Priyanka Prakash, a finance specialist at Fit Small Business and a former business attorney.普里扬卡·普拉卡什现任Fit Small Business的融资专家，也曾是一名商业律师，她表示，记忆退化、重心转移及对原先共识产生分歧都可能为自己和朋友或亲人间造成困扰。
Rule 5: Never Let the Due Date Slide法则5：不要把最后期限一拖再拖
If your dinero doesn’t show on time, ignoring the lateness or making excuses for not confronting the borrower would be a mistake. She might continue going along as if the due date you set is a loose guideline rather than a rule.如果对方没有按时把钱还给你，你还对债务人的拖延毫无感觉，甚至还为对方找各种蹩脚的理由，这样你就大错特错了。对方非常可能依旧我行我素，把你们说好的还款日期当成是一个随意的参考而已。
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