20 Good Excuses for Not Giving Money

Navigating the delicate terrain of financial requests often requires finesse, and finding oneself where providing monetary assistance is challenging is a common predicament. In these situations, a thoughtful and diplomatic approach is crucial. Exploring the realm of “Good Excuses for Not Giving Money” opens a dialogue about the intricacies of personal finances, boundaries, and the delicate balance between generosity and self-preservation. It’s an acknowledgment that, at times, declining financial assistance is not a matter of reluctance or unwillingness but rather a reflection of individual circumstances. This discussion delves into the art of gracefully communicating such refusals, considering both the sensitivities of the requester and the importance of maintaining one’s financial stability. From unexpected expenses to budget constraints, the reasons for refraining from monetary assistance are diverse, requiring a nuanced exploration of the intricacies involved. As we delve into this fine topic, it becomes evident that articulating valid and compassionate excuses for not giving money is a skill that requires both empathy and assertiveness, navigating the complex terrain of interpersonal relationships and fiscal responsibility.

20 Great Excuses for Not Giving Money

1. Till the next paycheck, I got nothing
2. I should be asking you
3. It’s that time of the month
4. Looks like you are in the mood for jokes
5. You ask like you don’t know how things are
6. I think you should ask Kim. She might be able to help
7. Things are a bit tight right now. Bills are going up and there is very little to spare
8. If I had that kinda money, I’d be eating pizza right now
9. Haha, tell that to a guy who’s not living off free samples
10. I’d like a bucket of wings too, but I guess we can’t all get what we want, can we?
11. Maybe next time. This is my last 5 dollars and I have to get some medication
12. Sorry, I need to bail Amy. You know how she can be.
13. If I put my card in an ATM, the machine will sputter
14. I was this close to selling my car, I’m in the red, sorry buddy
15. I just went grocery shopping for the month. I am all out.
16. I’m the definition of “insufficient funds” right now
17. I’m low on greenbacks if ya catch my drift
18. I am actually on a budget
19. Chances are I won’t get it back and it’s a pretty big sum
20. You still owe me from last time. Remember?

Till the next paycheck, I got nothing

If you are a salary earner, you can totally relate to this. If you are the kind of person that has one main source of income then it’s basically you always waiting on the next paycheck to survive.

In this case, you barely have enough for yourself so while it’s a good excuse, it is true. Sad, but true.

I should be asking you

Most times we deem others more financially buoyant than ourselves. In that case, if they do come to ask you for money, you can use this as a good excuse.

The thing about this response is that it is flattering. It tells the person asking that it is them that you should be asking which means they should have more and are better off than you.

This response without further explanation should tell them that you don’t have.

It’s that time of the month

If you are a lady then this has two meanings for you. Neither of these is very pleasant. The first is that you are on your period and the second is you are broke because it is the middle of the month.

For the guys, it has just one meaning: it’s the middle of the month where the salary is gone and you have nothing left so you are broke till the next salary comes in.

If this doesn’t make them see reason, they really aren’t good people who have your best interests at heart.

Looks like you are in the mood for jokes

Someone can half-heartedly be asking you for money. If they are really close friends this response means that they know you do not have money but they want to ask anyway to poke some fun out of you.

If they are serious, if you use this reply smile and let them understand. If they try to start explaining or cajoling you, tell them you are in the red.

You ask like you don’t know how things are

Let’s say you have a roommate, and you both share everything. In the case where they ask you for money, you know you are in trouble because they are very close to you and maybe have an idea of how much you have left at every time.

That’s when you use this response. It sounds like a rebuff. It tells them that you don’t have and you don’t like them asking even though they know you do have.

I think you should ask Kim. She might be able to help

 

Or Peter or Johnny, just anyone that isn’t you that will probably have money. Among your circle of friends, there will be those who have more than others so when someone comes to meet you, you can just point them in that direction.

If however, the person you are pointing them to is in the same condition as you: having but not giving, maybe you shouldn’t do that.

You give the person asking the impression that although you were not able to help the next person you are pointing them to will definitely be of help. If they are not, that can be very disappointing.

Things are a bit tight right now. Bills are going up and there is very little to spare

This response is long but it is the reality for so many people. Bills keep increasing and going up and these are things that you can not do without no matter how frugal you want to be.

In the case where there is terrible inflation or there is a change in the normal system of things, you can tell them this reply and they will understand right away that they are not the only one in their shoes.

If I had that kinda money, I’d be eating pizza right now

Maybe not pizza but you will definitely be doing other things. The thing about this reply is when you make a wish like this, it tells them that you also don’t have.

They will understand that even if you had, you would have used it so either way, they are not getting anything from you.

Now, if they are the kind of people to keep pressing, just use something more serious like drugs. For example: if I had that kinda money, I’d be buying tablets for my asthma.

Haha, tell that to a guy who’s not living off free samples

There are what I like to call features of certain lifestyles. When you are broke is when you remember people that owe you, pressing needs, and free samples because hey, there is no money to get and enjoy the real deal.

Sure, it might make you sound like you are poor and you are a beggar but they should get the joke. Besides, it doesn’t have to be true, remember? You are making excuses.

I’d like a bucket of wings too, but I guess we can’t all get what we want, can we?

 

If you have known someone for a long time, sometimes you know exactly what they want to ask or at least, why they need the money they are asking for.

It might not be a bucket of wings but it is something that is not an emergency and so you will not be indulging them. Do let them know that with this response.

They will just smile and walk away looking coy while you get on with your business.

Maybe next time. This is my last 5 dollars and I have to get some medication

When all you have left is really for something important, it is important to be able to say no with a great excuse such as this.

The first sentence kind of gives them hope that you will have some money, hopefully soon and the next time they come, you will have enough for them.

If you don’t want to mention the amount of money left, that’s fine. You can show them your empty wallet and watch them understand.

Sorry, I need to bail Amy. You know how she can be.

Here’s another good one although there are so many requirements to be able to use this one. If you both share a reckless or careless friend, one that is prone to trouble, then they will immediately understand.

The problem comes in when the person doesn’t actually need bail and in fact, walks in that minute. To make it easier, find something very important about a person.

Like how you have to get something for your sister who is really ill or how you are saving for college tuition or mortgage.

If I put my card in an ATM, the machine will sputter

 

Here’s a creative way to say you are broke. If you don’t get it, I will explain. Normally when you insert your card into an ATM and go through all these processes, it brings out money.

Well, this time the ATM will cough and sputter because there is no money in the account to be dispensed.

I was this close to selling my car, I’m in the red, sorry buddy

Desperate times call for desperate measures but some desperate measures border on careless or terrible mistakes.

With that, you are not going to further inconvenience yourself just to please someone. If you don’t have a car, you can just use the loan alternative: I was this close to taking a loan today. I’m in the red, sorry buddy.

I just went grocery shopping for the month. I am all out.

Already spent money can’t be lent, and the unspent one? Well if they don’t know that you didn’t go grocery shopping then there is no way they can accuse you of holding back from them.

Besides, you will eventually go grocery shopping, won’t you?

I’m the definition of “insufficient funds” right now

When you hear insufficient funds what comes to mind is scarcity. Well with this response, whoever is asking for money will know that you are worse off or in the same shoes as him or her.

Who knows they might give you a little something if they feel sorry for you and stop asking.

I’m low on greenbacks if ya catch my drift

 

Greenbacks mean money. Stacks of money. Simply, a lot of money or a normal amount that people need to live their daily life.

The best thing about this response is, how you make it sound like something you don’t want everyone to know with the saying there. If they later go around telling people you don’t have, well jokes in them cos you do have.

I am actually on a budget

This is one of the most responsible answers on the list. If you are broke because of a budget, well you still seem rich because somewhere there is money helping you take care of things.

Besides, if you think about it deeply, being on a budget doesn’t mean you don’t have money, it means you don’t have enough to spare. After all, they weren’t budgeted in.

Chances are I won’t get it back and it’s a pretty big sum

If the person coming to meet you is a repeat offender, and by that I mean a repeat borrower, then you can sound a little stern when you use this response.

Sometimes you have to be stiff when dealing with people unless they will talk you out of your last buck!

It could also be a family member or friend that feels that they have the right to borrow without paying back. You just put them in their place.

You still owe me from last time. Remember?

In the case where they haven’t paid off the last amount they borrowed from you, you can use this to tell them that not only do you not have any money to give them but you are also in need of the one you sent them so they will pay up.

It will be hard for them to force or persuade you to give them money.

Life comes with its trials, some days we are fine and up and another may come with lows. Money is now a means of exchange for goods and services hence the most scarce commodity in the globe.

We must keep a good record of our finances if we want to be responsible as an adult. Not doing so would make you always run into hitches as you could not afford things in the long run.

Many people are not diligent, and wise in money matters, causing them to ask frequently. This can be quite inconvenient in this article, we would help you know about fifteen excuses for not giving money.

Admit it or not there are times when you look at the bank and know that you don’t have enough and you can’t give out anymore.

While in a situation like that, we have just one thing to do: find good excuses as to why we can’t give what is left. Normal ones like, “I am in the red”, and “I just spent it all” might suffice but here’s more:

Good Excuses For Not Giving Money

I am on a tight budget

Oh! My dear friend, I know it’s shameful for you to be in this situation. I know it is a tough place for you right now but I hope you find a way out soonest.

I would have loved to be of help to you in these trying times if my situation were less demanding than it is right now. This is not the best time for me because I am currently on a tight budget for now.

I have to be diligent and keep to it to avoid being misplaced right now. Sorry for not being of help to you because of circumstances beyond my control.

I hope you find a good way out of this unpleasant situation you face sooner, sending you to love and light in your endeavors.

 Sorry I am back on my taxes 

So sorry I am back on my taxes for now, I would have loved to lend you a helping hand. For a while now I have been behind on my taxes, late payment of taxes doesn’t put me in a good light with my government.

I have resulted to pay up my taxes so I would not be in the bad books of my country. I am currently working double shifts to pay up my taxes before I am wanted. This situation came when things are tight for me.

Please take things easy in these trying times, try not to do anything unlawful so you do not get in trouble. Keep your mind and head focused so that eventually you would be out of this mess.

No salary yet

I am saddened to hear of your hard time, for two months now my salary has not been paid by the management. I struggle to transport, feed myself even use coupons for now.

We are currently on strike to revolt about this issue, I only hope that the release from our payments so I can get back on my feet. My heart goes out to you in this period of need, do not relent on doing what is best for you now and in the future. I hope you make it out of these hard and trying times.

The lack of salaries has tied me down for now. Am looking forward to hearing from my management. Wish you luck in all his endeavors.

 My health

My health has been down for a while now, the doctor gave me a series of checkups to keep up with. Health care for me is expensive right now and all I can do is save up adequately so that I can be able to take care of myself.

These are hard and trying times for me because of my alienating health, right now a caregiver is highly necessary for me even though I cannot afford one because of my little financial instability.

My health made my finances very unstable, and right now I am trying to bounce back from that when I am up and healthy again. I wish you success in all your endeavors and hope you find a good way out soon.

 My rent 

Presently I am behind on my rent because of money constraints, not paying on time would cause me to be evicted from my house. My rent costs quite an amount, that is why I have tight money management.

Always know that bad times shall pass too and the only way to make it pass is by doing the most needful thing one at a time. This may take a while but in the end, the compounding effect would show or speak for itself through your deeds.

Don’t lose hope or be weary because I cannot help you for now instead hold on and be strong for yourself knowing that you have this under control. I wish you luck in all your endeavors.

I don’t have money 

I don’t have funds presently to give to you and it hurts me to know that you are in need. Money has been a constraint for me for a while now the reason why I can’t afford to lend you a helping hand.

It is a shame for you and I know it is hard right now. Be of good cheer so that you don’t dampen your spirit, you need to be up and doing so you can find back your feet. My heart got you in these hard times.

Not having money does not mean that I cannot give you emotional support. You know I am always here for you. You can always reach out anytime, I am here for you emotionally.

Am in debt

Am currently in debt because of a lack of financial strength. There are some loans I have to pay up before my debtors call for me. Debtors do not joke with their monies lent out. I am trying to pay back all that I loaned before my time runs out.

Helping you would not have been an upheaval task for me. The problem is that I am presently choked with my bills piling up. I have to clear them up so I don’t run into negatives in my finances.

Reach out to me on how it is going down at your end. No matter what I will always lend you a listening ear, even if it is all I can do for you, peace.

 Why don’t you have savings

Savings is a very important aspect of one’s life, living entails spending some amount of money to get good services. Without savings, we cannot take care of ourselves.

I urge you to take a better step toward your finances for your betterment of yourself. This situation should teach you how to save for rainy days. As a friend, I urge you to take better steps in your finances.

I hope that with time all your effort will prove more positive than abortive, it may be hard but all will be well in the end.

I have a family situation 

My family is in a sensitive situation at the moment. I am putting in all my effort to make sure that this situation is arrested. I would have loved to help you out but this family situation is out of my control.

Sharing money with you now would put me in perilous times as the money situation in my family is sensitive for now. Am making plans to make sure everything falls in place before the situation goes out of hand.

Always remember that you are family too, do not look upon me with eyes of disappointment. You know I would lend you a helping hand if it is okay for me to do so. Right now is not a good time for me.

Child support

Child support drains my money, this has taken a down toll on my finances. Children are a gift of life, I have to take care of my child and stand for them as a parent.

I have to pay tuition fees and hire and pay a caregiver to look after my child as I go to work daily. Getting the services of a caregiver is expensive currently. A child is not allowed around my workspace as I don’t work from home.

Failure to pay for my child’s support would make the court of law summon me, this is not a good reputation for me. As a parent, I have to be there to show love and support to my child. I hope you understand me.

 Currently working on a project 

Am currently working on a project I plan to achieve soonest. This project is very important to me as it has been my dream for a while now to execute this project.

At this stage my project is capital intensive, any lapses will lead to a big setback in my project. I have no money to lend to you because all monies have been set aside for this project.

The ongoing project has a duration on it, and failure to comply makes my project not actualize and that would make me sad. Therefore, I am putting my all into it. I would have helped you if not that I have a project at hand. Please bear with me.

 I don’t have that cash lying around 

I do not have that cash lying around, this is the truth about the matter. Cash is hard to find these days because of economic fluctuations.

The price of food in the market has risen to where I can barely afford it. Now I make use of coupons and food stamps to pep up food bills. Money has really put a constraint on me for now.

I hope to bounce back from this soon and never relent on the best decisions to take. You can always reach out to me when you are unsure, at least two heads are better than one, especially when in conflict with thoughts.

 Insurance

My situation is dire at the moment, a property of mine got seriously damaged. Right now what really matters most to me is to get this ugly situation arrested, before it gets out of hand.

My insurance on the property got canceled because of a breach of contract. Unknown to me that my property agent and my lawyer did not handle their own end of the job. I am sad and confused.

Presently the case is in court as we speak. I hope the judge looks well into the case so that I may have my justice and rights. Keep me posted on your situation, even if I cannot help you monetarily my heart goes out to you during these trying times.

 I’ve got bills to pay

Good day friend, I’ve got bills to pay at the moment. It is the right time for the money when I pay up my bills like rent, gas, groceries, toiletries, etc. This is the toughest time of the month for me.

I would have loved to help you but the problem is that I haven’t even saved enough to pay up for all my fixed expenditures because of a lapse in my last month’s payments. I have been hard on myself just to afford my meals for the day.

Let us keep up with the work, I hope the compounding effect would yield positive results in no time. You do well, you reap good and vice versa.

 I’ve got only job offers

Sorry I’ve only got job offers, money is scarce these days dear one. What I can do for you is to help you talk to someone who would give you a job offer so that you can earn whatever amount you want or need.

No matter the amount of money I give to you, it would never be adequate for your needs. But with a job, you can work and estimate the cost of what you need or want and work towards getting it. If you don’t work, then how do you expect to earn?

So if you are ready, you can hit me up so we can look for something to do for your own betterment, at least what friends do for each other.

The economy is not making it easy for money to command its full value because of the frequent inflation in the price of goods and services. The time’s people get stranded and need monetary help.

This can put us in a tight corner as we do not want to look bad or uncaring, but there is no need to worry as there are polite ways you can use in putting someone off if you don’t have money to give out.

No need to feel bad or put yourself on the judgmental pedestal of emotions.

Conclusion

In retrospect, any time when situations like this occur where we are asked for money, be it a little or a lot, it makes us pretty uncomfortable.

But in case these instances happen, with these responses, you could calm the issue without making it seem too mean or insensitive. And you also wouldn’t lose your cash unwillingly.