No one warns that the most dangerous creditor is the relative at the dinner table.
Financial requests between loved ones often feel like walking a tightrope: one false step and trust is shattered.
Experts advise starting with an honest conversation. You need to ask what the funds are needed for and assess whether the borrower is ready for an open dialogue.
Transparency of conditions is the main shield against resentment.
Before handing over the money, it is worth discussing the terms of return. If we are talking about a large sum, you can draw up a written agreement.
This is not a show of mistrust, but rather a protection for both sides from forgetfulness or disagreement.
Psychologists remind us: when lending money, it is better to immediately accept the idea that the funds may not be returned.
If the situation is critical, it is easier to view the tranche as a gift. This will reduce tension and eliminate painful reminders.
It is important to separate financial obligations from personal connections. A fight over money should not affect shared holidays or helping with household chores.
If the borrower is late with payments, it is worth reminding them of the agreements calmly, without reproaches.
Sometimes saying no is the best solution.
If a request raises doubts, you can offer an alternative: help find a job, get a loan, or distribute a budget.
