It might be helpful to their friends if they were specific about their goals, if it’s not too personal. ‘I’m saving up for a down payment,’ or ‘[I’m trying to] increase my emergency fund, or to invest.’ ‘My washing machine (or car) is on its last legs,’ or ‘I’m paying off my credit cards (or student loans).’ Frugality doesn’t come naturally to a lot of people, so specifics may give them food for thought.
Positively Purging-I welcome your feedbacks in the comments and your likes and passing the real life wisdom on to others as I embark on this new venture of “positively purging“, as I know each of these pieces represents something…
Real Life of an MSW 
Great posts…. Anyone who is asking for money, including churches and other organizations, needs to be willing to help people know how their money will be used.
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I don’t believe in asking for an explanation, and I never expect to be repaid, but allow my family and friends the dignity of repayment for the date they suggest. Though if they do not, I know not to loan them money again…
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I agree. I don’t ask for an explanation, but I find it helpful to know how an organization will use what they are asking me to give.
And, as for loans…. My policy is simple. I don’t extend them. I give gifts without expecting repayment. Loans complicate relationships.
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Or simply tell them folks I just don’t have it! I believe saying no helped me heal! No! No explanation and I didn’t feel bad afterwards. It was actually freeing!
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Yes, there is power in the word “NO”, and yes “NO” is a complete sentence. I believe those who question you no, are boundary pushers, and relationships worth evaluating.
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IS
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