I am generally someone who has difficulty saying "NO" to anything or anyone. Thus, I tend to take too many things at once and sometimes get myself buried.
I'm sure there are others like me out there. Hope you benefit (as much as I did) from an article titled 20 Ways to tell someone NO By Ramona Creel
Among these, here are my favorites:
"I can't right now, but I can do it later"
"I can't, but let me give you the name of someone who can"
"I've learned in the past that this really isn't my strong suit"
"I'm sure you will do a wonderful job on your own"
(However, none of these would help, if you were looking for a way to say "No", when a guy proposes!)