If you have difficulties being straight forward with your no, give yourself some time to answer by saying, "let me get back to you."
Xitsundzuxo: Loko swi ku tikela ku ala hi nkarhi wolowo loko munhu a ku kombela ku n'wi endlela swin'wana, ringeta ku n'wi byela u ku: "Ndzi ta ku hlamula endzhakunyana ka nkarhi."