Just say no

One of the best things I learned to do is to say "no".

Being overwhelmed with things to do is not good for your health or your budget. When you are flat out is when you spend without thinking, opt for takeaway because it's easier and go for convenience over price and health.

Of course there are times when that's OK. But being flat out because you didn't want to hurt someone's feelings or appear impolite is a problem.

Learn to say no.

You don't need to offer an explanation; in fact, if you do, you are leaving yourself open to be offered an alternative.

Just say no and then change the subject.