35. Creating a Bare Bones Budget for When Things Are Tight

When money feels tight, it’s easy to spiral into stress and overwhelm. That’s where a bare bones budget comes in. This isn’t about restriction—it’s about clarity and control. In this episode of the Her Money Mindset Podcast, I’m walking you through exactly how to create a budget that covers only the essentials, so you can keep your life running even in tough seasons.

You’ll learn:

• What a bare bones budget is (and why it’s different from your regular budget)


• The exact steps to build one when income dips or expenses rise


• How to decide what’s essential vs. what can wait


• Mindset shifts to remind yourself this is temporary, not forever

By the end, you’ll have the confidence to know your baseline and the peace of mind that you can make it work, even when things are tight.

✨ Resources + Links:

• Grab my Budgeting Basics Bundle to build your own budget step-by-step. Remember to use code HMMPODCAST for 15% off! 


• Book your 1:1 Strategy Call to get a customized plan for your money. Remember to use code HMMPODCAST for 15% off! 


• Book a free consultation call for Her Money Method private coaching and get a personalized strategy for your financial goals.


• Start automating your savings + investing with Acorns and earn more with a high-yield savings account from SoFi.

If this episode helped you, the best way to support the show is by leaving a review. This helps more women like you discover these tools and start building financial freedom.💕