I know it is hard to say No Thanks in a kind way. I like to hear how you reject the offer by friend? The one which I am related is mostly friends asking you to buy this and that.
It is true that it is up to them to believe it or not. As I know most friends will not bother if you have the money or not. They just want to meet their sales target so no matter how they will keep asking you to buy.
The product is not cheap at all, it cost a few thousands! This is not necessary for me because I am not rich and I know that my money is just enough to spend or maybe not as now I am need to care for my sister too. She is not working any more and living in temple. She needs money to spend.
It is nice to see friends success in their career and dream. Honestly I think it is best not to forget whoever that gives you a hand. Without them do you think they can achieve the dream of going on free paid trip holidays?