1. When borrowing money from you, you don't have to care too much about him. Just tell him, "This money is useful. I can't lend it to you." If the other person says you are stingy, you can say, "I didn't borrow money from others no matter how stingy I was."

2. Tell a lie and find an excuse not to give him money, such as: "I gave it to my family, but I have no money to lend it to you" or "I will lend it to you after you wait at home for a few days", and then you have been looking for an excuse to delay him from giving him money. Procrastination is refusal.