俗話(huà)說(shuō)的好啊——月初瀟灑如地主,月底基本靠吃土
手頭錢(qián)不夠花這種情況,大家都難免會(huì)遇到,這種時(shí)候除了省吃?xún)€用,真的絞盡腦汁也要想想還能不能有別的方法可以補(bǔ)貼花銷(xiāo)
要是突然想起誰(shuí)誰(shuí)誰(shuí)還欠你錢(qián)沒(méi)還,那簡(jiǎn)直是天上掉下來(lái)一筆橫財(cái)啊
可是這橫財(cái)……要怎么討?這個(gè)可以說(shuō)是國(guó)際性經(jīng)典難題之一了,向朋友討債這事,還真是對(duì)智商&情商的雙重考驗(yàn)
我們今天就來(lái)討論一下如何優(yōu)雅的向朋友討債!
招數(shù)1——小小暗示,不傷大雅~
在不確定對(duì)方是否記得欠錢(qián)這件事,或者是否愿意及時(shí)還上錢(qián)的情況下,可以先找個(gè)合適的切入點(diǎn),小小的試探一下,比如:
I was happy to lend you the money when you needed it. That's what friends do.
我很高興當(dāng)初能夠在你需要的時(shí)候?yàn)槟闾峁┙杩?,這是朋友該做的哈~
策略分析:
You're gently reminding your pal that you came through when he or she was in trouble. Putting it this way shows you sympathize with your friend. Chances are, the person feels bad about not paying you back. An understanding tone decreases your chances of a hostile response.
用這種暗示的方式可以非常委婉的提示朋友自己曾經(jīng)在他或她需要幫助的時(shí)候伸出援手,表現(xiàn)自己懂得為朋友著想。這樣表示理解的表達(dá)方式往往可以讓對(duì)方對(duì)于不還錢(qián)感到愧疚,也就避免了一些對(duì)自己不利的答復(fù)
優(yōu)雅指數(shù)五顆星啦~
招數(shù)2——開(kāi)門(mén)見(jiàn)山效率高
能夠委婉、不戳破的把錢(qián)要到手自然是再好不過(guò)了,但對(duì)于有些朋友而言,他們就是真真切切的聽(tīng)到“還錢(qián)”兩個(gè)字,才能意識(shí)到你內(nèi)心的焦灼。比如這樣說(shuō):
When do you think you will be able to pay back the $500 I lent you?
你啥時(shí)候能把我借你的500刀還上呢?
策略分析:
Hinting will get you nowhere, because the person may misunderstand (perhaps willfully) what you're asking.
Like ripping off a Band-Aid, the process will be less painful if you do it quickly and directly.
Start off nicely; getting angry is more likely to result in the borrower pushing back than if you stay calm.
暗示可能一點(diǎn)兒用也沒(méi)有,因?yàn)閷?duì)方可能會(huì)誤解你的用意(甚至?xí)b傻)。
就像撕下一塊創(chuàng)可貼一樣,下手的快準(zhǔn)狠才能把痛感降到最低。
記得一開(kāi)口就要友好一些,越是激動(dòng)越容易嚇到對(duì)方,也更容易慌張的退縮啦。
越是要直接就越是要拿捏好度,完成順利的話(huà)也是相當(dāng)優(yōu)雅了
招數(shù)3——適當(dāng)哭窮,增加緊迫感
“手頭緊”在討債時(shí)是一個(gè)極好的理由,因?yàn)閷?duì)方在借錢(qián)的時(shí)候也經(jīng)歷了相同的窘迫,更能激發(fā)同理心~比如:
We're going to get hit with some really big tuition bills soon and could really use that money.
我們馬上要交一筆相當(dāng)大額的學(xué)費(fèi),實(shí)在是需要用上當(dāng)初借給你的錢(qián)。
策略分析:
Of course, you don't need to justify asking for your money back, but it can be helpful to cite a pressing reason -- as long as it's true.
Evoking a specific thing makes repayment seem more like a necessity than simply an option.
欠債還錢(qián)是理所當(dāng)然的事,雖然道理是這么講的,但適當(dāng)?shù)奶峁┮粋€(gè)討債理由,更能幫助你順利的討債(前提是這個(gè)理由確實(shí)屬實(shí))。
用一個(gè)確切的事件來(lái)提醒朋友你需要這筆錢(qián),更能讓對(duì)方覺(jué)得此時(shí)還不還錢(qián)已經(jīng)不是他可以選擇的事了。
優(yōu)雅指數(shù)略顯窘迫,但實(shí)用性還是很高
招數(shù)4——對(duì)付拖延癥,就要下deadline
拖延癥在欠錢(qián)方面的體現(xiàn)最讓人咬牙切齒啦!完全就是對(duì)借款方的單方面折磨啊
既然可以一眼看穿對(duì)方在拖延,不如主動(dòng)像boss一樣給他定下最后期限!比如這樣:
I'd really like to get the money back before the end of June.
7月份之前您再不還錢(qián)就沒(méi)意思了哈。
策略分析:
Specifying a schedule for payback is crucial. Otherwise, the loan may hang out there indefinitely, even if the borrower has given lip service to paying you back -- and you'll just have to revisit the conversation at a later date.
定下確切的還錢(qián)期限是至關(guān)重要滴,不然你的錢(qián)很可能還是要繼續(xù)在別人腰包里打轉(zhuǎn)了。即使對(duì)方口頭承諾會(huì)還錢(qián)給你,沒(méi)有訂下具體日期,日后你很可能還要再進(jìn)行一次討債的艱難談話(huà)。
都已經(jīng)給人家定下死期,也只能默默接受優(yōu)雅指數(shù)打折
招數(shù)5——大家都不容易,要不你一點(diǎn)點(diǎn)還?
如果你已經(jīng)明白對(duì)方?jīng)]有實(shí)際能力還錢(qián),或者就是死皮賴(lài)臉的不愿意交錢(qián)出來(lái),那也可以稍退一步,來(lái)個(gè)分期付款呀。比如:
Would it be easier for you to pay me back over time, say, $100 a month?
這錢(qián)您慢慢還是不是好接受點(diǎn),就說(shuō)一個(gè)月100刀咋樣吶?
策略分析:
If the borrower pushes back or you know he will have a tough time coming up with the cash, break repayment into smaller chunks or reaching another compromise. After all, you must really care about this person; otherwise, you would never have lent him the money.
如果在談還錢(qián)的過(guò)程里,對(duì)方已經(jīng)推脫著不想還錢(qián),或者你了解到他確實(shí)手頭緊,你應(yīng)該把借款分成小塊來(lái)一點(diǎn)點(diǎn)收回或者跟對(duì)方各退一步,商議一個(gè)更好的妥協(xié)方案。因?yàn)椴还茉趺凑f(shuō),當(dāng)初會(huì)把錢(qián)借給他,說(shuō)明你一定還是非常在乎這一份友誼的呀。
溫情指數(shù)都要爆表了,優(yōu)不優(yōu)雅的就別管它了
大絕招——優(yōu)雅什么的,不存在的
對(duì)于借錢(qián)之初就沒(méi)想著還的“朋友”,當(dāng)然要記得每天親切的問(wèn)候一句:
Hey asshole, where's my fucken money (with a big smile on your face).
嘿你個(gè)臭崽子,欠你大爺?shù)腻X(qián)呢?(記得要保持圍笑哈)
友誼走到這一步,不是快到盡頭,恐怕就是你倆上輩子的恩怨還沒(méi)算清吶~
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聲明:本雙語(yǔ)文章的中文翻譯系滬江英語(yǔ)原創(chuàng)內(nèi)容,轉(zhuǎn)載請(qǐng)注明出處。中文翻譯僅代表譯者個(gè)人觀(guān)點(diǎn),僅供參考。如有不妥之處,歡迎指正。