10 Ways To Budget When You're Broke
#1: Avoid Immediate Disaster
#2: Review Credit Card Payments
#3: Prioritize Bills
#4: Ignore the 10% Savings Rule
#5: Review Past Month's Spending
#6: Negotiate Credit Card Interest Rates
#7: Eliminate Unnecessary Expenses
#8: Journal New Budget
#9: Adjust Spending as Needed
#10: Seek New Income
If your current budget doesn't balance or you're barely scraping by, you may need to look at working overtime, getting a second job, or possibly getting a new, higher-paying job. Often there is work that pays more, but the nature of the work is unattractive. You may need to decide if it's better to be unhappy at work or unhappy with debt.
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