Who do you turn to when you're strapped for cash? It's normal to ask a friend for help. But, mixing finances and friendship can foil a friendship if you aren't sure you can pay back what you borrow. To ensure you and your friend are on the same page you need to create a paper trail that explains what you're borrowing, for how long and how you will pay it back.

　　當你資金緊缺的時候你會向誰求救?通常會求救于朋友。但是，如果你不確定什么時候能還清錢，將金錢和友誼混合起來就會破壞朋友之間的友誼。為了確保你和你的朋友達成共識，必須作出書面記錄說清楚你借的是什么，要借多久和如何歸還。

　　1 Tell your friends exactly why you need to borrow money. You can draft a letter explaining how the money will be used and what you intend to get out of the temporary loan. This may help ease your friends' concerns about lending money to you.

　　1.告訴你朋友借錢的確切原因。你可以寫封信說明這筆錢怎么用，你要怎么走出這種臨時貸款的局面。這樣可以使借錢給你的朋友減輕擔憂

　　2 Ask for an exact amount of money from your friends without taking additional funds. Your friends likely do not have the same financial holdings as a bank that can offer loans to cover emergency contingencies. Determine the right amount to borrow and indicate how you arrived at the figure.

　　2. 跟你朋友借錢的數目要確切，不要有額外的資金。你的朋友不可能有跟銀行一樣多的金融資金為你提供貸款幫你應對緊急情況。確定你所要借的錢的金額，說明你如何達到這個數目。

　　3 Make every effort to pay more than your monthly payment when borrowing money from your friends. You can help your friends with their financial situations while clearing off your debt by getting ahead of your repayment schedule.

　　3. 當你跟朋友借錢的時候，盡一切努力支付超過你的月付款數。通過超前償還計劃還清你的債務可以幫助你的朋友解決經濟情況。

　　4 Negotiate an interest rate that is amenable to you and your friends. Many lending arrangements between friends can be uncomfortable because neither side wants to ask for too much. You can make a loan worth your friend's time by adding competitive interest rates into the agreement.

　　4. 協商一個適合你和你朋友的利率。朋友間很多貸款協議都很不愉快的，因為雙方都要求太多。你可以通過在協議中增加貸款利率，才對得起朋友為你的付出。

　　5 Write out a promissory note with the assistance of a lawyer or other witness. A promissory note establishes the terms of the loan and allows action in a court of law if the provisions fall within state contract laws.

　　5. 在律師或其他證人的見證下寫張借據。一張借據說明貸款期限，而如果屬于國家合同法律，則允許向法院提出訴訟。

　　6 Provide friends who lend you money for a business with services or products from that business. You can use discounted sales prices, rented equipment and other benefits to encourage your friends to invest in the long-term health of your business.

　　6. 向借你錢做生意的朋友提供你所做業務的產品或服務。你可以使用優惠銷售價格，租用設備和其他方面的利益鼓勵你朋友對你該行業的長期健康發展進行投資。

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