How to say no politely for money?

So, you're wondering how to politely decline an offer or request for money, huh? It's a delicate situation, especially if the person asking is a friend, family member, or someone you value. But it's important to remember that your financial well-being is just as important. Here's a possible approach: "I appreciate your asking, but I'm currently managing my finances carefully and I'm not able to lend any money at this time. I hope you understand and that it doesn't affect our relationship. Is there anything else I can do to help?" Remember to be honest, but also kind and considerate of the other person's feelings. It's all about finding the right balance.