Many people do not know how to refuse the requests of others to the detriment of their own interests and benefits. However, if you analyze the situation, you can understand that the asker can do without your help. It is important to prioritize correctly, and for this you need to consider a few points.
Does a person really need help
Analyze your position and that of the person making the request. Is his position so sad that you neglect your own benefits? For example, you have the last few bills in your pocket before your salary, and a friend asks you to lend him money for a new iPhone. You obviously need this money for some needs, and he needs it for entertainment. Do not be afraid in this case firmly refuse him. Perhaps he does not know about your financial situation, or perhaps he is just sure that they will not refuse him. Try to notice such people.
What you have to refuse
Prioritization helps a lot in everyday life. If the boss once again asked you to work overtime, and you are already knocking over without any strength and still agree, you, first of all, give up your health, both mental and physical. Overfatigue is unlikely to have a positive effect on your overtime work and fulfillment of duties the next day, productivity will obviously decrease on all sides. In these cases, it is not a shame to directly explain your situation and say no to the request.
Can you help
Agreeing to help in any business is not worth it if you are aware of your incompetence in a certain area. If you perfectly understand that you will only make it worse, sincerely admit this person. Your refusal should not upset him, on the contrary, your sincerity and desire not to harm should be pleasant to the interlocutor.