Your professional and financial life is certainly one of your private matters, and not everyone around you needs to know about it. Keeping things confidential

and sharing details about your finances only when necessary are essential steps to take to avoid

people around you prying into your personal and professional life.

If you’re dealing with others prying into your financial affairs, the following report will cover some of the most prominent and important issues that

relate to this issue and how to address them.

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1- المشكلة الأولى – الصديق المتطفل

Almost everyone has an overly curious friend who asks about every little detail of your finances—how much you spend on your car and your home,

and your family, or perhaps how much money you spend each day. Their curiosity makes them oblivious to the bounds of etiquette and good manners.

 الحل :  لا تتهرب من السؤال فانت لست مضطراً لذل بل كن صريحاً وأخبر صديقك الفضولي بانك لا تريد مناقشة تلك الأمور ولا تحب أن يسألك

Whether you’re asking someone about their financial situation or a friend is asking you about yours, everyone has a right to privacy. Be direct and tell them so, putting an end to any

desire to keep asking questions and hounding you—even in your dreams.

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2- المشكلة الثانية – دفع الحساب

Confusion over splitting the bill is common among friends when dining at a café or restaurant. The usual rule is to divide the total equally, no matter

what it is—but that isn’t necessarily fair. Why pay for things you may not have ordered?

الحل : اطلب دائماً من النادل أو العاملين في المكان أن تأتي فاتورة الحساب بشكل منفصل حتى يتسنى لكل طرف معرفة ما طلبه من طعام أو شراب

دون أن تدفع المزيد من الأموال . 

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3- المشكلة الثالثة – إقراض المال للأصدقاء

One of the things most likely to cause problems between friends is money getting involved—including lending money to a friend to help them, only to find that they are not

making a serious effort to pay it back, even though they don’t seem to need the money and their finances appear to be fine at the moment.

الحل : ننصحك بأن لا تعيش في وهم التحليلات والافتراضات الوهمية عند تحسن حالة صديقك المادية فقط توجه إليه مباشرةً واستفسر منه عن عدم

repaid the money they owe you, even though they seem financially comfortable. Being honest and direct about these matters clears things up and leaves no room

for financial issues to damage your personal relationships with friends.

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4- المشكلة الرابعة – الاستشارة المجانية 

A free consultation is when you have a friend who works as an interior designer, accountant, or even a lawyer, and you want to ask them for advice. Of course, because they’re

your friend, you wouldn’t offer them money. If you’re wondering what you should do—whether to pay them or not—the answer is in the lines below.

الحل : Even if your friend specializes in something, their expertise is their livelihood and passion. So the two of you should agree on

مقابل مادي ليكتسب العمل الطابع الجدي ويغلب عليه الالتزام حتى ولو كان السعر رمزياً . 

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5- المشكلة الخامسة – الهدايا مرتفعة الثمن

A major challenge comes up with gifts, especially when a group of people is buying one for someone. The gift may be beyond your budget, so you should

handle it as follows:

الحل : Tell the others that you have another gift in mind and have decided to buy it because you know the recipient wants it and needs it.

That simple step lets you avoid a financial squeeze without any embarrassment.

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6- Problem Six – Your Friend Will Pay You!

It can be awkward when one or more of your friends have high incomes and, whenever you meet, they choose places that are beyond your budget.

Even if they offer to pay for you, it can still feel uncomfortable—not necessarily in front of your friends, but certainly within yourself.

الحل : The solution is not to turn down your friend’s invitation to eat or drink somewhere you can afford. Return the favor so they aren’t always left to cover the bill.

Don’t let them pay for you every time without inviting them in return now and then in a way that fits your budget.

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7- المشكلة السابعة – ادعاء الفقر 

Yes, many people are never satisfied with the money they have. They are always complaining about being short on cash, even though the reality is quite the opposite.

The problem is that these people are never content with what they have.

الحل : لا تتعب نفسك بالتركيز مع تلك الشخصيات وكل ما عليك فعله هو عدم التداخل معهم مادياً بأي شكل كان فالأموال من الأمور الحساسة جداً

These can blind those people to friendship.

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8- المشكلة الثامنة – الهدايا الجماعية 

In any company or place with a large number of people, it’s common to collect money from everyone to buy a gift for someone on the team or at the company

for their birthday. Although everyone is asked to contribute, many people don’t pay.

الحل : Ask directly for the money, while avoiding repeatedly putting financial pressure on people who don’t contribute to the group.

If there’s an occasion and they aren’t invited, write the names of those who contributed on the greeting card so the person being celebrated knows who gave money.

Who shared it on this occasion, and who didn’t?

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9- المشكلة التاسعة – الالتزام المادي مع الاخرين 

مثلاً إذا  التزمت بعطلة نهاية الأسبوع مع الأصدقاء ولكن التكلفة تجاوزت ميزانيتك أو شيء من هذا القبيل 

الحل : كل ما عليك فعله هو استيعاب التفاصيل ودراسة الاحوال المادية لديك بشكل جيد ومعرة التزاماتك المادية الاخرى قبل الموافقة على أي أمور

مادية خارجية مع الأشخصا الاَخرين حتى لاتقع في ورطة محرجة