In proportion as you grow strong and unhesitating in saying No, the temptations and opportunities to say Yes will lessen in number.
Exercise your back bone and your jaw bone, so you can say No and stick to it.
Credit
No factor is so necessary in building up business as credit, and no factor is so necessary in building up credit as truth.
It is comparatively easy to start credit, but the art is to keep credit.
The young business man who says "I want no credit, I buy and sell for cash" makes a mistake. It is all right to pay promptly, but do not establish a spot cash payment basis, for later on, when you ask credit, your creditors will think something is wrong.
Establish a credit whether you need it or not. It is a good advertisement and a frequent help.
Be reasonably slow in paying your bills, but positively sure that you do pay them.
When you get a sharp or blunt letter asking for a settlement, go to your creditor face to face, set a date when you will make a payment and keep your agreement.