Say no simply and directly. If your adult children ask for something, whether it’s babysitting services, money, or something else, and you need to say no, say it clearly. Don’t hint around that you’re really busy or have had a lot of expenses of your own lately and hope they withdraw the request. Just say, “No, I can’t help you with that.”

Provide a brief explanation of why you must say no if you want to, but don’t go on and on trying to justify your decision. If you give a reason, be honest. Don’t make up an excuse. Remember, “I don’t want to” is a valid reason to say no.

Avoid criticizing your children when you say no. Perhaps they ask you to babysit all the time and you think they should stay home with their kids more. Perhaps they just bought an expensive new television and now they want to borrow money to pay the rent and you think they need to budget their money better. This isn’t the time to offer them advice on those issues, though.

Allow your adult children to express their feelings when you say no. Acknowledge their feelings by saying something like, “I understand you’re disappointed and I’m sorry I can’t help this time.” Don’t tell them they shouldn’t feel they way they do.

Repeat as necessary. Especially if your children are used to you saying yes to everything, they might find it hard to accept a negative response. Stay calm and repeat, “I can’t do it” as many times as it takes.