"We do not have the money for this." You strive for honesty - after all, you should not accustom a child to moods and permissiveness. He must understand the basics of financial literacy and the family budget - the earlier, the better. In that and the catch: a crumb is simply not able to comprehend a complex abstract concept, and an older child can have its own considerations on this score. In children's reality, for example, a toy is much more important than winter rubber for a car. Try to give the child specifics - "we plan to buy, your toy is already on the list - it's bound to reach the line".
"What a fine fellow you are." The problem is not in the phrase itself, but in the frequency of its repetition. If you say it constantly, you create a need for constant approval from the baby. Dependence on praise is a bad motivation: it can provoke insecurity and a rapid loss of interest in the task after the first difficulty. If you can not resist, modify the praise - it should become more definite: "I liked how quickly you put the toys in the box."
"Do not answer strangers." This phrase is too vague - the child is not yet able to analyze the details of the situation in order to determine the degree of danger. A friendly stranger is difficult to perceive as "bad," and a complete ban on contact with anyone outside of a close circle will cause neurosis, difficulty with communication and increased anxiety. Talk to your child about the most frequent situations - what you need to do if an outsider offers a treat, asks you to show you the way, suggests a walk or go for the nearest corner.
"Do not be afraid". In fact, is there a more meaningless phrase? She is not able to calm even an adult, not to mention a crumb. If the baby is hurt or scared, share emotions with him, express sympathy and share positive experiences. "I understand you, it was the same with me, but now you will take the medicine / talk with the doctor / tell the verse and everything will be fine."