It is all right to say no.
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Many a time you will have a choice on whether you are going to decline some ones request or say yes and do what they expect of you. It is perfectly all right if you say no.
Many find it difficult to say no. They are concerned about what others will think of them if they say no. While in reality, people can live without you. They can make other plans. You are not the answer to all their problems. God is the solution to all their issues. Some time they have to find a way of doing things without your help.
Therefore never feel too shy to say no to them.
The key is to know what God expects you to do every moment of the day. Ask Jesus if you must help the one who have asked. Even Jesus did not help every body. To some such as to the Pharisees Jesus said no. He called them children of snakes. So simply only help those that Jesus gives you peace to do so.
Many find it too difficult to consider God in all of their choices. They do not know how to listen to God's voice. They think it is impossible to hear God speak. Well you will know people by their fruit. If they are asking all for sexual favours and think they are the sexual answer to all your pleasure, perhaps they are the ones you should say no to. After all, we should not have sex with all who want your body. God expects you to abstain from a sexual active life until you are married and thereafter you must be faithful to your choice of partner.
Some are abusers, not users. They must learn that you cannot get everything you ask for. And not everybody owe you everything.
God says no to the devil all the time. In the same way, if you are tempted, say no.
But if you do not listen to the voice of God, you will not be able to distinguish between devils, yourself and people.
It is all right to say no if it is God's instruction. Therefore learn to listen to God's voice.