I have felt better since I started saying no to people. However, I still feel slightly mean and it is worse when people have tried to guilt trip with their actions. There became a pattern of my niece only messaging me when she wanted money. I told her straight last time she started a conversation with me that she wasn’t going to be getting any money. She went in a mood with me. Said something along the lines of I love this family in a sarcastic tone then blocked me. She doesn’t like being told no. The fact that she already owes me a substantial amount of money which she never even attempted to pay back. I had to block her number at one point because she wouldn’t pack ringing me asking for money. I can’t afford to lend money because I have to keep putting some away every month to move due to landlord wanting the flat back sometime in the next few years because their long-term plan is to sell. I barely go out to do stuff. That is what you have to do as an adult to have money left over after bills. I had to fight for the extra money for my disability. If she has been bad mouthing me recently then this is probably why.