Instead of "no" how about try something that sounds less negative or blunt, something along the lines of "I'm sorry, I can't." You don't have to explain why you can't.

Quote:

>>and now feel myself roped into and obliged to help.<<

Some people are bottomless pits of need. No matter how much you help, they need more. They don't always realize that they are like that, but it is very draining to those around them. The only people you are obligated to take care of are your children if you have them, we don't even have to take care of ourselves if we choose not to!

Since you don't work, the financial thing is pretty cut and dry: "Sorry, I'm on a fixed income, I don't work, I can barely keep myself afloat!" It can always come from an apologetic place if that makes you feel better. "I really wish I could drive you, but I can't."