Feel free to say “No”
It is not easy but you can’t say yes to every outing or impromptu plan. You need to educate yourself about where you stand financially and what your long term financial goals are. May be you are saving for a car or a house or even a foreign vacation. Any of your long terms goals should not suffer due to your inability to say “No”. Saying “No” is a powerful tool, it just takes a little time to get a hang of it.

