Suffering from empty wallet syndrome after the Christmas season? Telling people that you’ve no money can be a little embarrassing. Here are some alternative phrases that should come in handy if you have to explain your situation or turn down an invitationfor financial reasons.
1. I’m running a little low on funds 2. I’m feeling the pinch at the moment 3. I’m temporarily in the red 4. I’m nearly running on empty 5. My resources are a little depleted 6. My bank balance is a little bit strained 7. My finances are a little strained at the moment 8. I’m a little cleaned out at the moment
A typicalmistake made by Swedish native speakersis to use the word “economy” instead of “finances”. The word “economy” in English is used to describe finances on a national or international scale. “Finances” is the word used to describe an individual’s financial situation. Example: Rather than translating directly from Swedish and saying “I have a good economy”, say “I am in a good position financially” or “I am comfortable financially”. Alternatively, you could say "I am not in a good position financially" or "I am not very comfortable financially".
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“I can't this time, but once I'm done saving for ___, I'd love to.” “Money is a bit tight at the moment, so I'll skip brunch this time.” “I just really can't afford it right now, I hope you can understand.” “I've got some big savings goals I'm trying to kick – can we take a raincheck?”
Try saying something like, “I totally understand your price concerns. Just to confirm, if money weren't an issue is [solving primary pain point/getting primary benefit] something you're interested in if you could find the right solution?
Don't wait too long to reveal your money troubles.
To bring up the topic of money, try starting the conversation by saying something like, “I'm really glad we met and I like spending time with you.I hope we continue dating so I want to be honest with you and let you know that I don't have a lot of money right now.”
Reassuring someone that they don't have to bottle things up and pretend that everything is fine can be a real comfort, especially if they're going through a tough time financially. Being patient and empathetic may also help them take the necessary steps towards getting debt help.
It doesn't have to be weird and it doesn't have to be uncomfortable. Be clear, be honest, be direct. Try not to get defensive and have these conversations in casual hangs over a period of time. Remember that no one is going to care about your money as much as you care about your money.
Keep it simple and positive. Just say something along the lines of, “I'm so sorry to miss out on the fun, but X isn't in my budget right now.But I'm so happy for you, and I'd love to celebrate in another way!”
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