When beggars ask me for spare change when I'm coming out of the bookstore, I've gotten to where I'll go "Jack Vale" on them and reply with "No, really. I'm fine. NO, REALLY - I don't need anything. I'm good. Keep your money. You worked hard for it. I can get by until the first of the month."
Or I'll go Jerky Boy on them and ask them about "Uncle Freddy".
They're starting to quit approaching me and even walk away when they see me.