The way of saying no nicely for a HD is this. H says " hey honey you want to go make love." You say " I'm really tired today but on wednesday we will make love." If you say these things and then don't do it your H will resent it very much. If you say this and then go through with it he will start respecting you saying no. Because it just means that right now you are not into but you have given him something to look forward to, and hey if you get an intrest before then you can act on that and he will be floored.