Energy disturbances in the lower end of the wrist chakra in alignment with the baby finger suggests that you have a difficulty in saying no to people. One needs to understand and find out what is the fear or past conditionings which makes it difficult for you to say now. Most people fear rejection or disharmony and hence chose not to say no. However, when they feel 'taken for granted' or 'taken advantage of' eventually they have to say no or risk rejection disharmony or the possibility which they avoided carefully. 
It is advisable to remain open and say no whenever you need to say no

The key word for the wrist chakra is being in the now. If the energy is not flowing well in the right wrist chakra, that means, the person has a tendency to remain in the past. If the energy is not flowing well in the left wrist chakra that means the person has a tendency to keep thinking about the future. 
It is all right to think about the past or future, however, one misses out being 100 percent in the now.