The guilt usually isn't about the no itself — it's about not having practiced it yet. A few ways to make it easier:
1. Start with low-stakes nos. Practice on the small, low-risk asks before you try it on the big, scary one. The muscle has to build somewhere.
2. Use a pause instead of an instant answer. "Let me check and get back to you" breaks the reflex yes and gives you room to actually decide instead of defaulting.
3. Give a real reason only if you want to — "I can't take that on right now" is a complete sentence. You don't owe a justification for protecting your own time.
4. Notice that the guilt fades faster than you expect once the no is actually said — it's usually worse in anticipation than in the moment.
Saying yes to everything isn't generosity if it's running you into the ground — it's just avoidance of a slightly uncomfortable conversation, repeated until it becomes a crisis instead.