Social events, weddings, or group vacations often pressure us to overspend. Instead of skipping joy, reframe participation: Host potlucks instead of expensive dinners, or suggest hiking instead of brunch.

For weddings, set a gift budget early ($50–$100 max) and stick to it. If travel’s required, book flights 6+ months ahead or split Airbnb costs.

Practice scripted responses:

“I’m saving for [X], but I’d love to celebrate another way!”

“Let’s do a DIY spa night instead of the salon.”

True friends respect boundaries. Debt isn’t a souvenir.