We’ve all been there — your friend drops a “let’s do drinks at that new rooftop bar” text, or someone casually suggests a weekend getaway that costs more than your monthly rent. Of course, you want to say yes, but your wallet is screaming otherwise.

It’s in that awkward moment where you don’t want to seem like the “cheap” one or flake (again) on your besties, but you also don’t want to pretend your bank account has no limits.

The good news? You can keep your friendships and your finances even if you decline. Here are four easy ways to turn down pricey plans — politely and guilt-free.

Your friends probably have some idea of your financial situation, but life happens — maybe an unexpected expense popped up or you’re just trying to be a bit more disciplined this month. Either way, being upfront about it can save you from a lot of awkwardness later on.

You don’t need to overexplain or apologize. A simple “I’m keeping things low-key this month” does the job and most friends will totally get it. But keep it light and positive — that way, you’re setting a boundary without making it weird.

If you don’t want to flat-out decline, try offering something that works better for your budget. For example, instead of fancy cocktails, suggest grabbing coffee or having a game night at home.

That way, you’re not just saying “no” — you’re showing you still want to hang out, just within your means. It keeps the vibe friendly, not flaky.

If you’re not comfortable talking money, a simple “I’m already booked that night” or “I’ve got a busy weekend” can work. However, make sure to not overuse this as you can come off as disinterested rather than unavailable.

You don’t have to worry about declining invitations if you’re the one making them. So, suggest something affordable before anyone else throws out a pricey idea. Be the planner, not the party pooper. Oh, and as a bonus, everyone will think you’re just being organized, not frugal.

At the end of the day, saying “no” doesn’t make you stingy — it makes you smart. Friends shouldn’t judge you for being responsible and if they do, well…maybe it’s time to rethink your circle. True pals won’t care if you’re chatting over champagne or sparkling water — they’re just happy to have you there.