Here are five ways to politely decline a request for money.

It can be even harder to politely decline a request for money or a sale.

Do you have trouble declining any financial requests?

Morrell suggests intentionally and frequently exposing yourself to small low- to no-risk hardships.

Her client finally worked up to making eye contact with the bellringer but not putting any money in.

Another couple had to learn to refuse to go in on group gifts they couldn’t afford.

This allows you to buy time and puts you back in control.

“I told him I can’t go because my budget doesn’t allow for it.

But if he would like, I can budget [it] for a later date.”

This accomplishes two thingsyou get in a hard financial no and an alternative on your own timeline.

“It sounds silly, but just practice saying no.

The more you get used to saying it, the more natural it will become.”

Plus, you don’t have to be rude: Youcanset boundariesand say no politely.

Gerstler sometimes has people knock on his door collecting for charity.

Some are genuine, and some are not.

It’s tough to be put on the spot.

“I always think that honesty is the best policy in these situations.

There is no counterargument to this.

If they’re reasonable, they will not bother you again about it.