Way 1 · best default
I find it hard to say no
A simple, honest way to describe the habit. Fine with anyone.
Examples
I find it hard to say no, so I always end up working Saturdays.
She finds it hard to say no to her kids.
In a conversation
A: Why did you agree to organise the party again?
B: I know, I know. I find it hard to say no.
Common mistake
Not: I'm hard to say no.
Say: I find it hard to say no.
"I'm hard" describes you, not the action. English says "I find it hard to..." or "It's hard for me to...".