Question: how to say no to a friend who always wants money?
Answer: Make It Your Rule. One of the easiest ways to say no is by simply creating a rule for yourself. ... 
Respond Promptly. ... 
Be Clear, To-The-Point, & Polite. ... 
Be Aware of What You Can Give. ... 
Offer to Help in Other Ways. ... 
Consider Your Relationship. ... 
Be Wary of Discussing Financial Details.