Never say, "I can't afford it." This implies that you would normally spend all the money you have, and the only reason you aren't buying is because you are completely broke. Watch your money language. Better to speak from a position of strength: "I choose not to spend my money this way because this thing is not a priority now, or maybe ever" (epub edition, 90)
Generosity is a means of grace. It lets us know who we are. Giving forces us to define our priorities. It promotes patience and discipline. Generosity wars against greed (epub edition, 199).
Shannon Durling: A Girl and Her Money
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