雙語閱讀：朋友借錢忘了還怎麼辦

摘要：你曾有過這樣的經歷嗎?借朋友午飯或電影票錢，卻再也沒拿回來過?今天就來教你如何輕鬆使朋友還錢，以及防止未來此類事件的發生。

How many times have you lent a friend some cash for lunch or a movie only to never see it again? Here's how to get paid back easily and how you can prevent this problem in the future.

Money between friends is often awkward, especially if you aren't close. Chances are you don't see all of your friends every week so if you don't get paid back right away, your next chance could be several weeks away. So how can you solve this problem? You have a couple of simple options.

你曾有過這樣的經歷嗎?借朋友午飯或電影票錢，卻再也沒拿回來過?今天就來教你如何輕鬆使朋友還錢，以及防止未來此類事件的發生。

朋友之間談錢總是很尷尬的，尤其是當你們關係沒有那麼好時。如果你沒有當時立刻被還清時，那很有可能要隔好幾周才能再看見他了。因此，如何解決這個問題呢?如下是幾個簡單的方法。

Let Them Get the Next One

讓他們再借一次

Keeping an exact account of who paid for what is ridiculous, but remembering who paid last makes for a better, more manageable system. That way if you paid for the last film, lunch, or whatever, you can just invite them out for the same thing and say:“I got the last one, so do you want to grab this one?”

清清楚楚地記着誰爲什麼付了帳有些誇張，但是記住上一次是誰付的錢比較合理。因此，如果上次電影或者午飯是你付的錢，你可以再邀請他們出去一次，並且說：“上次是我付的，這次你來嗎?”

If the other person doesn't remember, you might have an awkward moment ahead of you in which you have to explain the circumstances, but if you start a trend of trading payments it will become the norm after a few outings.

如果你朋友不記得了，那麼解釋起來可能會有點尷尬。不過如果你們逐漸習慣了這樣做，幾次之後就會變成一種自然的事情了。

Get Square

朋友借錢忘了還怎麼辦

Square服務

When friends borrow small amounts of money from friends, the problem is generally a product of our times: few people carry much cash with them anymore because we don't need cash to buy things by ourselves. However, besides credit cards here we get a better option. You can solve this problem easily with your smart-phone and a service called Square.

當所借的錢數很少時，通常會出現這樣的狀況：現在不太有人會隨身攜帶現金，因爲我們不需要它們了。然而，除了信用卡外，我們還有一個更好的選項：使用你的手機，獲得“Square”服務。

You plug in their free or purchase-able credit card reader into your smart-phone's headphone port, download their app, and you can start accepting credit card payments from anybody. When you accept payments with the reader, Square will take a 2.75% cut regardless of the amount. The card reader is tiny so you can take it with you, making it a good way to prevent the problem of your friend owing you money in the first place.

把信用卡讀卡器插到手機的耳機孔位置，下載app，然後你就可以從所有人那裏接受信用卡付賬了。當你用讀卡器接受入賬時，該服務會收取2.75%的服務費用。它很小，所以方便攜帶，從而就避免了被欠錢的尷尬。

What You Said

你該說什麼

I posed this dilemma on a few social media sites and the majority of you agreed that the "get the next one" method is the simplest course of action. Anamari suggested a slight alternative:

幾天前我在一些社交網站上發出了這個帖子，大部分人都覺得“你付下一單”這個方法簡單便行。然而，一位網友對此提出了異議：

I wouldn't put someone on the spot by saying "you're paying, right?" or "you've got this one" without fair warning. After all, they might be short on cash in that moment, too, and simply hadn't remembered the last time. If it's really important to get evened up, I'd say something at the time of setting up the date, either very directly or along the lines of "I'm tight for cash this week, can you get me this time? Last time it was me."

“沒事先聲明的話，我不會跟朋友說‘這次你來付’之類的。畢竟，可能他們真的是錢緊，或者就是真的忘了。如果我手頭也很緊張的話，我會在約出去玩的時候就先說好，或者直接告訴他們‘我最近手頭有點緊，這次你能付嗎?上次是我。’”

I'd argue that in most cases you're not really putting them on the spot when you're dealing with insignificant amounts like $5-10. If they can afford that amount for themselves, coming up with double shouldn't be an issue. Nonetheless, if you want to take a more sensitive approach you can always ask them before you go out so nobody finds themselves in an awkward position when it comes time to pay.

我想說的是，如果你們涉及的金額只是5~10美元這樣的話，其實不必擔心會讓你的朋友尷尬。如果他們自己付得起，那麼多付一份也沒關係。但是，如果你真的想更謹慎一些，可以選擇每次出去前都詢問一下，這樣當涉及到賬單時就沒有人會覺得尷尬了。