Food How To Say ‘No’ and Create Healthy Financial Boundaries
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These registered dietitian-approved Target grocery lists will help you spend less time wandering the aisles and more time munching. Target Grocery List #1 The Dietitian: Mia Syn, M.S., R.D.N., a registered dietitian nutritionist in Charleston, South Carolina Grillo's Pickles Italian Dill Chips Surprise: Pickles aren't just for plopping on top of burgers or using as sandwich fixings. "Pickles are a great low-calorie snack to satisfy salty-crunchy cravings, with only 5 calories per serving," says Syn. "The Grillo's Pickles Italian Dill Chips [Buy It, $5, target.
You’ve finally decided: No matter what — this time, you will stick to your budget. You resolve to say no to expensive dinner invites, weekly drinks with friends or reaching for your wallet every time you’re asked to donate to a co-worker’s birthday gift. Then your best pal asks you to go to the new gastropub that just opened and your resolve crumbles.
Unfortunately, saying no and creating healthy financial boundaries can be difficult. But it gets easier once you figure out your “why.” Why do you want to save your money instead of spending it each time an opportunity arises? Perhaps you’re trying to build an emergency fund or maybe you want to contribute extra to your retirement account. Whatever the reason, it helps to have a goal in mind when it comes to saying no and creating healthy financial boundaries.
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How to combine the tools of a marriage counselor and the money savvy of a financial planner to get on the same page with your partner. Just like going to marriage counseling, going to couples financial therapy—especially before you marry, but even later when financial issues crop up—can put you and your mate on a more even, understanding level. Plus, it can open your eyes to each other's money behaviors. There's almost nothing couples fight over more than money; a Ramsey Solutions study found that money fights are the second leading cause of divorce (behind infidelity).
Change Your Mindset When It Comes To Saying ‘No’
Saying no when someone invites you to do something that’s beyond your budget can be uncomfortable. However, by changing your mindset, you’ll soon be able to say no with ease.
“Don’t be embarrassed to say no,” said, licensed psychotherapist and author of “Cue Cards for Men: A Man’s Guide to Love and Life.” “Realize that you are the only person who is responsible for your financial well-being — not your friends, not your coworkers or your family. That said, don’t let people pressure you into spending money that you have allocated for other things in your life.”
How To Say ‘No’ to Invitations and Create Healthy Financial Boundaries
Here are some common spending scenarios that can occur, plus advice on how to say no while creating healthy financial boundaries.
Is Subway Healthy? Here's What You Should Know, According to a Nutritionist
Like with any restaurant chain, take time to review the ingredients. Check the ingredients Beyond calories, macros, and terms like whole grain, the most important factor that determines healthfulness, in my opinion, is ingredients. Subway does offer a downloadable PDF that lists ingredients for its breads, proteins, veggies, condiments, and other items, including pizzas, cookies, and soups. Here's an example of why checking the ingredients can matter: Subway's grilled chicken isn't simply cooked chicken breast.
Modern Money Etiquette:
Scenario 1: You’re Asked To Go To Dinner at an Expensive Restaurant
Maggie Klokkenga, CFP(r) and CPA and owner of, LLC, recommends that when someone invites you to do something that involves spending money on something that’s beyond your spending plan, you should thank the person for the invitation and suggest an alternative.”For example, if you’ve been invited to dinner at an expensive restaurant, thank the person for the invitation, say that you cannot attend, but you’d love to see them soon and suggest another venue, perhaps having coffee at a local coffee shop,” Klokkenga said.
By suggesting an alternative, you soften the blow of saying no. “This lets the person know that your reason for declining their invite isn’t personal — it’s financial, and it also lets them know you would still enjoy doing something with them,” Steinorth-Powell said.
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If you don’t want to spend money on coffee, Klokkenga suggested coming up with another way to connect, such as checking out free events. “Depending on the season and where you live, you can go to a local farmer’s market or vendor/craft fair, an art exhibit, or even just going for a walk at a local park,” she said.
“You can always let the inviter know that you’re working hard on your finances, and being vulnerable to share — that can allow the other person to continue the conversation about money,” Klokkenga said. “You never know — the friend who invited you to the fancy dinner may also feel the need to get control of her finances, and now she has a friend to talk with about it!”
Take a Look:
Scenario 2: You’re Asked To Contribute To Gifts
When you work in an office setting, being asked to contribute to group gifts is common. But if you’re trying to follow a strict spending plan, these types of contributions aren’t an option.
Steinorth-Powell said, “You can say something polite like: ‘As much as I would love to participate, I don’t have it in my budget to contribute to the group gift.’ And leave it at that. You may be surprised at how many people at work will actually follow your lead.”
6 Ways to Set Boundaries and Drink Less Right Now
It's okay to change your drinking habits.But as the world continues to open up—and you inevitably get another wedding invite in the mail—your relationship with alcohol may feel a bit confusing at the moment. Plus, it’s probably much harder to watch your pace when you’re trying to make up for all the time you spent at home instead of out with loved ones.
Anthony Martin, Forbes Finance Council member and CEO and founder of, suggested using value-based phrases to explain why you aren’t participating in something. Again, this can soften the blow and show that your choice not to participate isn’t personal.
“For example, explain how you value time spent with friends above physical gift-giving, so this year around the holidays you’d prefer a celebratory pot luck dinner with friends rather than expensive rounds of secret Santa,” Martin said. “The key is, again, to emphasize intentional, values-based language.”
Scenario 3: You’re Invited To a Destination Wedding
Destination weddings can be expensive for the bride and groom and the guests. According to The Knot, guests invited to destination weddings should expect to pay for their round-trip airfare and accommodations and any nonwedding meals, beverages and activities, which can really add up.
“Celebrate but don’t participate,” said Holly Wolf, former bank chief marketing officer, advisory board member atand personal finance junkie. “Rather than being viewed as a negative person, share in the joy but don’t participate. Say things like, ‘Getting married in Morocco sounds amazing. I am looking forward to seeing all of your photos. I’m sure it will be stunning.’ You share in the excitement, but don’t commit to participating in something that will break your budget. It’s NOT about you NOT going, it’s about wishing THEM a happy celebration.”
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Last updated: Sept. 24, 2021
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