At some point almost everyone is going to be faced with the dilemma of how to say no to your family or friends when it comes to spending money. This may be especially difficult if you are just beginning to change your spending habits or trying to get out of debt. It is not easy to admit to people that you do not have enough money to go on that nice vacation or even out to dinner with them. It is important that you do address the situation and stick to your resolve.
If you are embarrassed to admit that you do not have enough money to do a particular activity, you can make suggestions of alternative activities, which are less expensive. For example you may suggest a week long camping trip instead of a cruise for the next family reunion. If you can not afford to eat out you may suggest getting together after dinner to play games or to watch a movie.
You can also share the reasons why you can not do certain activities when it feels appropriate. You may share that you are watching your money right now so that you can pay off your credit cards. You may also explain that you are trying to save up for a new car or the down payment on a house. Once people realize that you are trying to change, many will be supportive of your new goals.
Some people may give you a hard time because they are not comfortable with the changes you are making. It may be that it makes them feel guilty for the money they spend or they just care more about having fun. If they are truly your friends they will be supportive of your goals. They may be able to suggest alternative activities as well. As you achieve your goals you will have more money in the future to spend on fun activities.
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