可可電臺，每期節目一話題，讓英語磨練耳朵的同時學到更多有益的小知識，豐富知識的同時受益于生活。

Rules to Follow When Lending Money to Friends andFamily

借錢給家人和朋友的法則

Only Say Yes if You Mean It

想借再借

If you feel guilt-tripped into making the loan bythe 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.

萊文表示，如果你因為愧疚才借款給請求者（“我走投無路了！”）或質疑自己的猶豫不決（“我一定是個壞人，否則我就不會這么矛盾了”），那么就選擇拒絕。

If you do cough up the cash when you aren't sure youwant to, you risk feeling resentful, and that can cripple the relationshipbefore it's even time for her to repay you. Not going through with the loan doesn't make you selfish or a bad friend; the response may actually protectyour bond, she adds.

如果你在不確定是否想要借錢時勉強借錢給對方，那么你很可能會感到憤懣不滿，這種感覺甚至會在借款人還款前就摧毀你們間的友誼。萊文補充道，不借錢不意味著你很自私或是一個不合格的朋友，正確的回應才能真正維護你們間的感情。

Levine suggests graciously declining with a sentimentlike, "I'd really like to help, but I don't have the extra money to loan rightnow. If you feel like you need to explain further, mention an unexpectedexpense you were recently hit with, such as higher health insurance premiums,or something you have to save for, like your kids' college education.

萊文建議，婉拒對方時需帶著一種情感，比如“我真的很想幫助你，但現在手頭上沒有多余的閑錢。”如果你覺得有必要再做進一步解釋，那么可以提一些近期碰上的意外開銷，比如高額保險費，或像孩子的大學費用這類需要存錢的花費。

Offering to help brainstorm other sources for theloan or ways to bring down her debt （if that's the situation）can be a thoughtful nextmove. A true friend or relative will be willing to accept no and then thank youfor any additional help. If she doesn’t, better thatyour relationship sours before you've forked over any funds.

下一步體貼的做法是，幫助借款者找尋其他借款來源或想辦法減輕其債務（如果這是其面臨的處境）。真正的朋友或親人會接受你的拒絕并感謝你提供的任何額外幫助。如果對方不這么做，那么這段友情還是在你提供任何資金前先破裂為妙。

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