How to Budget When You're Broke: A Simple Plan That Works
When money is tight, budgeting might feel impossible. But it’s exactly when you need a plan the most. This post is for anyone who’s broke, overwhelmed, and trying to take control—starting right now.
Step 1: Triage Your Bills
Make a list of the absolute must-pay expenses. This includes:
- Rent or mortgage
- Electricity/water
- Basic food
- Transportation (only if needed to keep a job)
Everything else can be addressed later—prioritize survival.
Step 2: Track Every Dollar
You don’t need a fancy app. A notebook, printable tracker, or free spreadsheet works. Know where every dollar is going.
Step 3: Cut Without Guilt
If you’re broke, forget about “fun money” or takeout for now. This isn’t forever—it’s for survival.
Step 4: Look for Help
You’re not alone. From food banks to free medical clinics, there are resources out there. I’ll be posting more soon.
HEY, I’M RICK…
...I'm someone who’s been through tough times and understands what it’s like to feel overwhelmed by life's problems. I started Survive & Flourish to share simple tools, real resources, and a bit of hope with anyone who's struggling. This site isn’t about perfection—it’s about progress, one step at a time. My mission is to help you feel less alone and more empowered to take control of your life, even when things feel impossible. If I can make things just a little easier for someone else, then I’m doing something right.
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