One of the most awkward subjects in the world is money. Whether you have it, whether you don’t and whether you’re chasing it are all hard topics. The thing is, no one really likes to talk about money. They don’t like to talk about what wealth they have or when they’re skint and can’t afford anything. And no one likes to talk about debt at all; it’s still very much a taboo subject despite the many people who are currently dealing with it.
There are many types of debt, and the one that is the hardest to deal with is when you are struggling, and other people owe you money. Sometimes, you have loaned money out to friends and family when you are flush for cash and you’re still waiting to be paid back. Other times, you have to instruct a claims lawyer to help you out because an insurance company is dragging their heels on your policy. Either way, it’s not easy to keep asking for money back, and eventually you give up asking. Below, you’ll find a few ways that you can ask for your money back again without being harsh or rude.
A Polite Reminder.
There is a chance that the people who owe you money have forgotten that they’ve owed you. It’s giving them the benefit of the doubt which is the first port of call. If it’s not a large amount of money, it’s easy to forget an all you may need to give is a polite reminder that they do owe you and that you need it.
Ask For An Update.
Once you lend out money, you often get told what the money's for. Opening a conversation that centres around the reason that they borrowed the money in the first place can often prompt them to let you know when they plan to pay you back.
Let Them Pay.
There are other ways that you can get your cash back, especially if it’s not a life changing amount that you gave in the first place. When you go out for social occasions, ask them quietly if they’d prefer to pay for you as part of paying you back (or wholly, if it’s not a lot!). This can either end up paying their debt in an easier way, or at least chip some of it off.
Sometimes, instead of asking in a roundabout way for cash, you need to be blunt about it. Don’t send a message, speak to them face to face and ask them outright for either the money back or a date that they are planning to pay you by. Doing it this way can mean there is not a chance that they can get out of answering you.
Being owed money is almost as hard as owing it to someone else. Never give out what you can’t afford to lose, and always write it down if someone owes you. That way, you won’t forget – and neither will they.