mirch I was like you, I changed a little working on the store. I can say like NOO NOOO like that. But with friends and family, you HAVE to anticipate the situation and drive it before it reaches the leave where they actually ask "Mirch could you blah blah"
My mother used to tell others , "If someone asks you for a loan give them just enough which if they do not pay then you do not regret and the friendship or relationship does not get sour."
Now I have started practicing this creed of hers. When she use to say that to others I did not realize how wise that creed is to live by.