Its intimidating and clearly designed to guilt you into buying.

Online Party Pooper

Social media has made it especially hard to hide from independent sales consultants of all types.

I have prepared for you a two-step plan to freedom.

A woman seems frustrated as she looks at her laptop computer.

Step 1: Ignore everything.

Let us raise our voices in praise of Facebook for doing this one good thing for us.

Probably not as good as youd like.

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It always seems like an uphill battle to build (and keep) a decent amount in savings.

But what if your car breaks down, or you have a sudden medical bill?

Ask one of these companies to help…

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Thank you for including me, but Im not interested.

Good luck with your event, but I cant attend.

Thanks, but Im only buying whatMarie Kondois selling right now.

This doesnt fit into my shopping list right now.

Have a great time!

Did you know?

you could Get Paid Up to $140/Month Just for Sharing Your Honest Opinion

Whatever you do, donotapologize.

Trust me when I say independent sales consultants are not interested inyourbusiness.

Theyre interested in getting business, period.

The ones who reallyareyour friends wont be offended if you dont take part in their endeavor.

And if you back away slowly, the rest wont even notice you.

Have an awkward money dilemma?

Send it to[email protected].

Disclaimer: Chosen questions and featured answers will appear in The Penny Hoarders Dear Penny column.

I wont be able to answer every single letter (I can only jot down so fast!).

We reserve the right to edit and publish your questions.

Dont worry your identity will remain anonymous.

I do, however, promise to give you honest advice based on my own insights and real-life experiences.

(Can you sense my millennial sarcasm there?)

You know which ones were talking about: rent, utilities, cell phone bill, insurance, groceries…