I used to have a problem saying no. And I began to learn that it was too often getting me into situations I was not prepared to handle or put me in further financial binds. I have learned in recent years to say no, although I usually feel bad. I feel especially bad when I think about how many times people have helped me out in life. Still, sometimes you have to face the facts that you can't help everyone all the time. Thanks for a good post. Keep it up!