I look at it this way...during this time of year, we all have either lean or full plates. Personally I am having a really lean one! LOL! Well...when my plate is lean, I have nothing really to give...you need a full plate for giving! Therefore I feel no guilt when I can't give because I have nothing to give without taking away from me and my family and leaving me with an plate with nothing!
So if this person isn't someone you would give of yourself in leaner times...do not feel guilt! I know that I wouldn't want someone to give if they had a lean plate..that is selfish! Best they keep what they have and have a brighter future vs always having an empty plate!
I had to say no for the first time in years to charity...I always give something...but I have nothing this year (not even time). It hurts, but I say...'My plate will fill up if I focus on important things..then I will have tons to give...maybe next year!".
Don't empty your plate right now...there will be something to give to when your plate is full..and one day darlin..it will be