Not having a bachelorette party?

Is anyone choosing to not have a bachelorette party? A few months ago my maid of honor and I planned things out (she wanted to plan it but asked for my help which is totally fine), but it has honestly turned into me planning and paying for everything. I don't want to at all sound rude about the situation, but I don't think I want to have one at all. As we were planning, the idea of a limo for the bachelorette party was brought up by my maid of honor. She said I should make the $100 deposit and everyone would split the costs (including me paying for my portion) when it came time to pay for it in September. I just have a LOT to pay for, and especially in September, I will be helping to pay off our vendors. I would rather just save my money than throw myself my own bachelorette party, it seems so silly. I've brought this up before (about doing something smaller or not having a party at all) and she seemed a little rude about it, saying she doesn't understand why and what the issue is. Deep down it's bothering me because she had also started planning the shower, but then didn't follow through and my mom has to pick up on it. Now she's doing the same for the bachelorette party. I would be totally fine not having anything!

Should I just let it go and see if the bachelorette party is brought up again in the future? Should I just flat out say that I don't want a bachelorette party? Thank you in advance for your thoughts!