How to refuse a red envelope from others?

How to refuse a red envelope from others? First of all, I have to know what to do. How can I refuse this red envelope? Don't hurt the other person's heart, to put it mildly, you can also return it automatically without receiving it, and buy something for him with the money from the red envelope. You'd better say something polite and don't accept it. Explain to each other that you are short of money recently. I accept your heart, which is equivalent to receiving a red envelope.