I have some new magic words in my life. They are, deep breath, "I can't afford it."
As much as I have avoided using, or let's face it, acting on those words in the past, I'm surprised how well they've been working for me lately.
Twice recently when I've fessed up I can't afford it as a reason why I couldn't do something the person who was asking has breathed a big sigh of relief and said something along the lines of, "Oh good. I can't either."
So I'm thinking "I can't afford it," can be like my new club. I'm going to trot it out more and see how many friends want to join.