398: Why Budgeting Still Matters Even When You Have No Money
Thu Feb 05 2026
New Book - Clever Girl Millionaire; A Guide to Redefining What's Possible, Turning Ambitions into Actions, and Dreams into Millions - Available to pre-order now
Struggling to budget because you feel like you don't have enough money? You're not alone, and this is exactly when budgeting matters most.
On this podcast episode, I'm walking you through how to budget when you have no money using 8 practical steps that will help you take control, reduce stress, and create a financial plan even if you're starting from zero (or less). Whether you're dealing with debt, inconsistent income, or just feel like you're stuck, this episode is for you.
WHAT YOU'LL LEARN:
How to assess your finances when you're broke
How to create a bare-bones budget that helps you survive and rebuild Ways to cut expenses fast without shame Simple strategies to track small wins and increase your income How to stay consistent, even when progress feels slow Budgeting isn't just about dollars, it's about direction. The sooner you get a handle on what's coming in and going out, the sooner you can create a plan to move forward. Even if all you have is $5, this episode will show you how to make it work for you.
More Clever Girl Finance Resources:
❤ Subscribe to the Clever Girl Finance newsletter for weekly motivation! clevergirlfinance.com/subscribe
❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books
❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages
❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog
❤ Follow us on Instagram: @clevergirlfinance
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New Book - Clever Girl Millionaire; A Guide to Redefining What's Possible, Turning Ambitions into Actions, and Dreams into Millions - Available to pre-order now Struggling to budget because you feel like you don't have enough money? You're not alone, and this is exactly when budgeting matters most. On this podcast episode, I'm walking you through how to budget when you have no money using 8 practical steps that will help you take control, reduce stress, and create a financial plan even if you're starting from zero (or less). Whether you're dealing with debt, inconsistent income, or just feel like you're stuck, this episode is for you. WHAT YOU'LL LEARN: How to assess your finances when you're broke How to create a bare-bones budget that helps you survive and rebuild Ways to cut expenses fast without shame Simple strategies to track small wins and increase your income How to stay consistent, even when progress feels slow Budgeting isn't just about dollars, it's about direction. The sooner you get a handle on what's coming in and going out, the sooner you can create a plan to move forward. Even if all you have is $5, this episode will show you how to make it work for you. More Clever Girl Finance Resources: ❤ Subscribe to the Clever Girl Finance newsletter for weekly motivation! clevergirlfinance.com/subscribe ❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books ❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages ❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog ❤ Follow us on Instagram: @clevergirlfinance