How Do You Manage Money When You Barely Have Any?

For me it works that each time I intend to spend something, I stop and ask myself: "Do I really need this?"
Some people put this slogan on a small sheet of paper even in their cash wallet, so they get a remindet once they have to pay.

One of the interesting things I learned from a past relationship is that "managing money" is a completely different proposition from "managing NO money."

Managing money tends to be about investing and allocating resources, whicle managing no money tends to revolve around budgeting and setting priorities.

I've found that the most useful thing I could do was track where every single cent goes. Identify "empty spending," meaning all those things where you persuade yourself "it's only a handful of change" so you spend it. It's surprising how apps that cost "only $0.99 a month" turn into something. Same with "oh, I'll just grab a sandwich at the market instead of bringing one I made at home."

I've actually found Hive to be a great way to save a little because it is (more or less) "inaccessible savings." It takes time, and it's a hassle to power down and get the funds out... and in many cases, the "spending opportunity" has passed by the time you get the funds.

Saving is hard, these days... because things keep becoming "unexpectedly expensive," so you end up plundering your savings, just to get something somewhat essential...

Good luck with your money management!

Hmm I’ll try all these tips and see if it helps with my unnecessary spend, especially saving!
But managing money that is not a lot is hard😔

Thanks for sharing ✨

You have said well. Money can only be managed when you have it.

It's a challenge talking of managing limited money, but the truth is that we still need to cultivate the habit of managing the little fund we have , because when we finally grow the Sair fund fortunately, managing larger funds becomes easier . And like you mentioned , considering budgeting , savings , discipline are all key factors to adopt weda managing littie or much money

If you have to change am habit how it could work I be glad to be aware cause I am also in the same show it hard managing when you
Don't have

Your perspective is very interesting; knowing how to manage our finances is definitely an important factor in our lives. Thanks for sharing.

Yes, money is hard to make and hard to save. I believe if we want to manage our money then we have to cut down unnecessary things we know we don't need. We should list out what we know we need and very important to us a d then stay with the budget we have for them instead of spending pass the budget. I know it's hard but we have to discipline ourselves and also start saving for rainy days.

I hope you know what and who you are supporting

😂😂😂😂😂😂🗑️🚮

@themarkymark @buildawhale @acidyo @ocdb @azircon @crimsonclad @gogreenbuddy

You are a scammer farmer racist downvoter 😂😂😂😂😂

You really think anyone cares about rep on Hive 😂😂😂😂😂

Just shows how childish you are 😂😂😂😂😂😂

Keep lying to yourself it changes nothing 😂😂😂

Take a look at this first

Hello everyone I hope you are all good and well today in this post is some of the evidence to prove my case

If you didn't know I've been getting downvoted for a long time on Hive

They have been trying to bully me with downvotes and words but it doesn't affect me I've been online for over 25 years

So I've dealt with people like this before it's nothing new

But what they are doing is bad Very badi joined steemit like everyone else thinking it offers freedom but I must say steemit offered much more freedom than Hive does

Everyone already knows I only post my own original content I have no need to steal anything from anyone

I've been labelled a lot of things on Hive 😂 by the biggest farmers scammers and downvoters

Actions speak louder than any words do especially when them words are coming from a compolsive liars

I will keep updating this post when I get time

https://hive.blog/hive/@ureka.stats/the-untrending-report-hive-downvote-analysis-16-09-2025-20250916181314

https://hive.blog/hivedev/@makerhacks/please-peakd-allow-me-to-completely-block-spammers-would-you-ever-vote-for-this

https://hive.blog/hive-167547/@dlmmqb/re-kgakakillerg-t34wy6

https://hive.blog/hive-170475/@acidyo/re-kgakakillerg-t32sw1

https://hive.blog/hive-167922/@themarkymark/re-kgakakillerg-t30ziu

https://hive.blog/hive/@ureka.stats/the-untrending-report-hive-downvote-analysis-29-09-2025-20250929172045

No downvotes for this racist person 🧐

https://hive.blog/hive-196387/@acidyo/re-kgakakillerg-t41yr6

https://hive.blog/dvs/@dhedge/re-kgakakillerg-t3clz3

https://hive.blog/hive-150329/@kgakakillerg/t3a8fu

https://hive.blog/musical/@steevc/re-kgakakillerg-t2kz1m

https://hive.blog/hive-108278/@kgakakillerg/hive-is-done-part-2

https://hive.blog/hive-121744/@ocdb/re-brosonleo-t11mdc

I love this...
And of a truth budgeting and savings aren't that easy, but they are very helpful and necessary steps one should take.
And I love the way you concluded, learning to handle/manage that which you have is key.

Thanks for sharing.
❤️💯❤️

Nothing beats budgeting, especially when it comes to managing funds, but then you only practice budgeting when you have funds. Budget without funds is a dream lol…
Anyways, you have said a lot of meaningful things in this post of yours and i must say it was indeed worth giving it a read. Nice one man…

@nkemakonam89, queen of budgeting lol

I tried managing money by budgeting and focusing on my needs but then it didn't help my savings still. After critical analysis on my expenses it start to make sense when financial experts say you cannot save your way to riches. For now I'm focused on saving my life first lol.