Money is often an awkward conversation topic among family and friends. However, it shouldn’t be any more uncomfortable to discuss than food, recreation, or even the air we breathe. Money is a part of life and equally as essential for survival. But, as with all things, we sometimes find ourselves in sticky situations where money is a touchy subject. Practice these pointers to exit your bind gracefully and with your best money manners!

The Nosy Neighbor: We all have them. The friend who asks what everything costs-your new sweater, your car, and even your house! Just remember that when an acquaintance sticks their nose in your financial business you are not obligated to reply. It’s also beneficial to give vague answers. Not mentioning specific numbers implies that the topic is not open for discussion.

Check Please: When paying a restaurant bill, is it obligatory to split it? Etiquette experts agree that if there is just a few dollars difference go ahead and split the check. However, it is perfectly acceptable to ask for your own check if the difference is more than you want to pay. Try to plan ahead when going to dinner with friends-if you know you’re only going to have a salad at a steak restaurant, be prepared to ask for your own bill.

The Money Lender: Of course you want to be there for a friend when there are experiencing financial woes. If you have the money and feel comfortable, go ahead and give your friend a loan. However, be sure that the lines of communication are always open when discussing payback options, deadlines and missed payments. You should never feel awkward asking for money that is owed to you.

Group Gifts: Contributing to an expensive group gift can break your budget. In these instances, consider how much it will cost you to provide your own gift. If it is less, feel free to go in on your own gift and politely refuse donating to the hefty group fund.