Her Money Mindset

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

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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.💕

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      Her Money MindsetBy Courtney Schweinler