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.

In this video, 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).

Hi, I’m Bola Sokunbi, founder of Clever Girl Finance, bestselling author of the Clever Girl Finance book series and Choosing to Prosper!, and I’ve been exactly where you are. Whether you’re dealing with debt, inconsistent income, or just feel like you’re stuck, this video is for you.

*What you’ll learn in this video* :

– 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 video will show you how to make it work for you.

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