It is common for friends or family members to borrow money from you when an emergency comes up, but the problem lies in when they owe you and haven’t made any attempts to pay you back.
So, you need an idea of how to ask someone for money they owe you without making it weird, while still making it clear that you need your money back.
Sure, it can be awkward to ask, but they owe you, not the other way around so you shouldn’t really feel bad.
In this post, we’ll show you how to ask someone for money for the first time, or when they deferred on payment.
We’ll also take a look at how to ask someone for money in a tactful way when they are not replying to your messages.
5 ideas for text messages to ask your friend to pay you back the money they owe you for the first time
Ideally, you should not have to be asking for your money back, but if you notice that your friend has not said something, a simple reminder can help you get that cash back in your hands much faster.
Perhaps they had simply forgotten, or they are waiting for you to say you need it.
Either way, you should take it easy on them since it is the first time you’ve had to ask for it.
Here’s how to ask someone for money they owe you for the very first time:
2 text messages to ask your friend to pay you back if they ask for deferred payment
It is pretty disheartening when your friend makes a promise to pay you back but hasn’t come through with it, and asks to repay at a later date.
Note that there are many reasons why this could happen, so a kind and gentle approach is always the way to go.
Perhaps there was a family emergency that the person had to use the repayment money for, or perhaps they got caught up at work and with other bills, and it slipped their mind.
Whatever the case may be, here’s how to ask someone for money they owe you if payment has been deferred.
3 ways of how to ask someone for money they owe you if they don’t reply
If you are dealing with someone who does not reply to your first, or second, or even third text about repaying the money they owe you, then you have to put your foot down without being disrespectful.
This is your hard-earned money we’re talking about, and you don’t want to end up in their position because you are kind-hearted.
Here’s how to ask someone for money they owe you if they are avoiding you, or ignoring your text messages:
Even though knowing how to ask someone for money they owe you is important, something you should always bear in mind is “Don’t lend money you’re not prepared to lose”.
Not everyone is smart with their money and there’s no telling if they’ll be smart with yours.
Sure, you may have had good intentions, but always remember to protect yourself first, and don’t go lending large sums unless you can guarantee you will get it back promptly.