You can have the loan but...

My dad will always tell us (his kids) that he doesn't get into something he knows he won't be able to handle or finish. He says this whenever we are trying to make him go against his will and do something he normally wouldn't do or see through till the end.

_{Photo by Mohammadreza alidoost}

Why am I telling you guys about my dad? Well it's because I also happen to apply those same rules when it comes to money and lending it to people. I don't lend money to people unless you fit one of three reasons, either you're family, you happen to be someone I know and I'm close to (that is we're friends) or you happen to be in dire need of the money and my soft heart can't say no. But the most important rule I always follow is that whatever money I'm giving to you, has to be something I can forego if it comes to that.

So if I feel like this money is huge and it could cause some damage on my part if I lend it to you and you don't payback like you promised, I will most likely not give you the money or rather, I would give you a bit of it and ask you to go get the rest somewhere else. And trust me when I say I do that for both our sake because things could get really crazy if I lend you all of that money and you don't pay back.

So aside from family and some really special friends, I really don't lend money to other people, instead what I do is that I give you the money and I just forget about it. I do that most of the time (though it's mostly when I'm asked for little amounts of money) and that is because I feel like I have it and can help them with it, rather than put that person in debt.

But to be honest, I really don't lend money to a lot of people and one of the reason is because I don't get asked for money, I think it's because I look broke so people just choose to give me my space but if I do lend money to anyone, the last thing I want is you ghosting me when it's time to pay up. Because it's fine if you don't have the money to pay at that agreed time, all I need you to do is come tell me that you might not be able to meet up with our initial agreement and tell me when you will be able to pay, that is way better than you ghosting me because unlike some people who would let that slide, I won't. And that most likely would be the end of our friendship.

So when it comes to giving out risky loans, I honestly don't think I've done that before and that is because, like I said, I don't give out what I know I can't afford to lose. But I have given out loans before, two of my friends recently took a loan from me sometime last month, but none of those loans can be considered as risky because I don't do risky. I'd rather split it into two and give you half of it.

Lastly, I'm not a violent person, never have been and never will be. So when I said I will go crazy if you don't pay me back the loan, I mean going to the police or calling people around that I know you respect and telling them about the whole thing to help resolve the issue.

I'm a man of peace.