The difference between living a life of peace and productivity versus a life of stress and resentment could lie in one simple skill: Learning how to say no. Saying no makes the difference between a packed schedule and an open one, but it might also make you a little uncomfortable at first. Here’s how you can say no in three different areas: time commitments, tasks, and time frames. Do the math to see how much time a commitment would cost you. Do you have the time for that right now?

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