00:00Sure, we'd all love to get on board with extravagant trips or fancy dinners, but sometimes you have to ignore the FOMO and consider your budget first.
00:09Here's how to say no to doing things you can't afford without making it awkward.
00:13Be upfront about your money situation, but avoid negative phrases like, I can't afford it.
00:18Go with more active language like, I'm sticking to a budget to save for X.
00:22You don't have to give them all the details, but staying positive will help ease the blow.
00:26Making plans? Be the first to suggest an idea so you can pick a more affordable option.
00:32If they've already made a pricey suggestion, make a counteroffer.
00:35Try meeting early for happy hour, go to a matinee or tap free events in your city.
00:40Or get your friends in on saving with you by trying an Ospend challenge, like making dinner at each other's houses instead of going out to eat.
00:47You can also try these approaches with coworkers who keep asking you to go out for lunch.
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