Think you can’t budget on a low income? Think again. Budgeting is even more essential when money is tight. Here’s how to make it work, even with limited resources.

Step 1: Track Every Penny

When money is tight, tracking becomes vital. Use a free app or notebook to record every expense — even that $1 coffee.

Step 2: Prioritize Needs Over Wants

Cover essentials first — rent, utilities, food. Eliminate or reduce non-essentials temporarily to regain control.

Step 3: Use the Envelope Method

Divide your income into categories (rent, food, transport) and place cash in envelopes for each. When it’s gone, it’s gone — no overspending.

Step 4: Seek Assistance Where Needed

Explore local programs for food, housing, or utility aid. There’s no shame in seeking temporary help.

Step 5: Find Small Savings

Buy generic, cook at home, cancel unused subscriptions, walk instead of drive — small changes add up.

Step 6: Increase Income Creatively

Freelance, sell items online, offer a service in your community. Every extra dollar helps.

Conclusion:
Budgeting on a low income takes discipline, but it’s doable. Take control today, no matter your financial starting point.