Learn to Say “NO”

How does the word “No” have anything to do with reaching your Financial Freedom Goals you may be asking me?  It is a huge factor, I think. You need to be able to say “No” at times to be able to stay on your budget and disciplined to reach your goals.

In our house hold we have to say “No” quite often to our boys. If they had their way, we would be going to the movies every night and out to eat every night. Which I would agree with them that it would be fun but then the next day I would be disappointed in myself that we didn’t stick by our budget.

Each week I get invited to golf at least three times at about an average cost of $50. The prices are higher in the winter months because of all the snow birds. My budget for golf is about $50 a week. In the months from May to October I can play about three times a week for $50. But in the winter months I can only play once a week. It isn’t any fun turning down friends who invite me to play golf but in our current budget that is what our budget is. Maybe once the boys are out of the house and my business is making more money.

Winter Months

So, in the Winter months I try to mix it up and golf each week with a different group of friends to try to stay in touch until the cheap rates come back. I also will invite them over at times to watch Football on TV to help keep in touch.

Another time we have to say “No” at times is when friends want to go out with us for the night to dinner or drinks. Our budget on going out with friends is currently only $100 a month. So, depending on what friends want to do that is normally one night out for the month with another couple.

We try to mix it up and rotate different sets of friends to get with each month so we can try to keep in contact with in person other than just social media.

Sometimes we will also ask friends over to our house to play some cards or do some putting in the backyard. We can have fun with friends at our house for a low cost for sure. About $25 in snacks can go a ways.


Friends in other states ask us to come visit them which we have but try to again visit only one set of friends a year and rotate them. Other times we have to say “No” because we budget for one trip to see friends a year. If we have big family Vacations planned then we will skip seeing friends that year.

If friends that we have gone to visit a few times never come and see us then we just say “No” and keep inviting them down to stay with us. We live in Sunny Arizona where people want to retire at. We live in one of the best places to vacation at. Especially since most of our past friends and relatives mostly live in the cold and snowy Midwest states.

This year I was also asked to play in four different golf tournaments. But they would have cost me from $75 to $150 to play in them so I had to say that “No” word. I don’t enjoy saying “No” but I have to be able too so we stay within our budget.

Our Budget

Our budget for the boy’s entertainment is $100 a month so that is normally one night a month to the movies. Of course, the boys watch movie trailers weekly on YouTube and are always saying we need to go see this movie. What parent hasn’t heard that a lot from their teenagers. So, we have to remind them about our budget and say that fun word called “No”.

Some people it may be easier to say “No” especially if your credit cards are maxed out or your checking account is running on fumes. It is harder to say “No” when you are on your last step on our road to Financial Freedom.

I get too aggressive at times to reach our Financial Freedom goals and Darlene pulls me back in line and said we need to go out this month. This year we are still on track to make our budget goals even with starting this podcast, publishing two books and buying equipment for it.

When you add up all these entertainment amounts it gets over $3,000 a year just for that not including what we spend on our vacation expenses each year. It would be so easy to spend more if we couldn’t say the word “No”.

How many times a week or month do you have to say “No” to friends or family? I know when I used to work at a corporate job it seemed everyday they would ask if we wanted Brugger Bagels in the morning, then they wanted to go out for lunch at a restaurant, somedays in the afternoons they would want to go do a Dairy Queen run and then after work they wanted to go out for drinks. If I would have said yes to all that I could end up spending easily over $50 a day just at work.

When you take your car in for an Oil Change, they try to upsell you on extra things that may be working just fine for now. Another time to say “No”.

Repair Company

Last month our Heating and Air company came out to check our Heating unit for the winter months. It was a warranty check so no cost to us. But they said it could use a cleaning and it would cost around $500. Again, I had to say “No”. It seems like every time they come to our house; they have something to try to sell us which normally it runs around $2,000 to $3,000. I am glad we can say “no” to them.
Here are two positive quotes I like; “There is no way to happiness; happiness is the Path.” By Buddha

“Change Your Thoughts – Change Your Life” by Wayne W. Dyer

Your Thoughts

Let me know your thoughts about this blog and let me know of others you would like me to do in the future. I feel we can all learn from each other. That is why I am in the helping people retire early, enjoy life more and be more successful. Also, please see my Disclaimer page.

Don’t give up on your dreams; don’t let others talk you out of your dreams. Make your dreams happen. Make it happen today.

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