One of the best things I learned to do is to say "no".
Being overwhelmed with things to do is not good for your health or your budget. When you are flat out is when you spend without thinking, opt for takeaway because it's easier and go for convenience over price and health.
Of course there are times when that's OK. But being flat out because you didn't want to hurt someone's feelings or appear impolite is a problem.
Learn to say no.
You don't need to offer an explanation; in fact, if you do, you are leaving yourself open to be offered an alternative.
Just say NO! - and then change the subject.
This was first posted on Debt Free, Cashed Up and Laughing
"My elderly folks live on a 46 acre rural property in WA. It's lovely but they have had it for sale for 9 years as NO ONE is buying...They took out a reverse mortgage when they first put it on the market, thinking they would sell the property shortly after...BUT the mortgage it is eating away at their equity, as it costs a lot to maintain the property - especially on a pension. Mum recently became very sick and has been in hospital for 5 weeks. And Step-Dad, at 82, is trying to run the house, let alone the property by himself. They live 9km from the nearest town, 50 minutes from their doctor and the hospital. I need advice about where to go to find assistance for them. As they (and the bank) own their only asset - that they can't sell, they are limited with the assistance they can receive. I'm sure they're not alone. We live in the city, our house is small and we have a young family. We've offered for them to move in with us but they would like to maintain some independence if they possibly can. Any suggestions would be gratefully appreciated. Thank you."
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