Hi Dutchess,
I know what you mean about the phone calls. I'm not so bad with business stuff, as I am able to distance those people in my mind, and I can put on an act (just like the salespeople are doing). I do think that is terrible that sales people hassle us though; we don't need it.
It's the social stuff that does for me every time. The more intimate the situation is, the harder I find it to say 'No'. It's like people get under my guard somehow. All this comes from childhood IMHO.
Cheers, M
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