can anybody teach me too say "NO"

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i always fall in trouble whenever some one ask me to do a favour.... i just cant say no.... whch sometimes irritates my girlfriend,,, as i have cancled our dates many times bcoz of this reason...... no no no no no no will this help me.....? i just cant bear this kind of my habbit...... i want to over come this.... "hey milind can you lend me some cash" ..... yeah why not i earn for you guys only.... duh i just cant say this.... "ya how much dude" ahhhhh waiting for ur reply guys......