Say and tell both report speech, but they are built differently. The main question is whether you mention the person who hears the words.
After tell you almost always name the person: tell someone something.
You cannot say "She told that she was tired" without an object. The listener is required.
Say is followed by the words themselves or a that-clause. If you add the listener, you need to.
Saying "She said me that she was tired" is one of the most frequent errors among learners.
Some phrases use only one of the two verbs, and they do not follow the listener rule.
| Say | Tell |
|---|---|
| say hello / goodbye | tell the truth |
| say a prayer | tell a lie |
| say sorry / thank you | tell a story / a joke |
| say something | tell the time |
| say yes / no | tell the difference |
For commands and advice, use tell + person + to-infinitive: "The teacher told us to open our books." The matching form with say is not possible: "The teacher said us to open" is wrong, though "The teacher said that we should open our books" is fine.
Practise by rewriting each sentence both ways and noticing which version still sounds natural.