Letâs get one thing straight
Iâm broke. Not âtight budgetâ broke. I mean bank account = zero.
But Iâm not quitting.
Instead, Iâm using a system I built for myself out of desperation â something that keeps me alive now, helps me grow income fast, and still gives me permission to dream. I call it The 3-Bucket System.
Bucket 1: The Parachute (Security)
This is survival mode.
- Rent
- Food
- Utilities
- The absolute bare minimum you need to stay alive and functional.
No new gadgets. No subscriptions you forgot you had. No âI deserve thisâ splurges.
The Parachute keeps you from smashing into the ground while you fix your money problem.
Free Tool: My Survival Budget Spreadsheet will show you exactly where your cash is going and where to cut. (Grab it in the 3-Bucket Starter Pack â link below.)
Bucket 2: Growth (Income)
Once youâve stopped the bleeding, you need to make more money. Period.
This is where most people stall â they wait for the âperfectâ idea. Forget that. Start messy.
- Offer a freelance skill
- Sell a simple digital product
- Start affiliate marketing for tools you already use
- Teach what you know in a quick paid session
Free Tool: My Income Idea Finder Worksheet will help you pick one idea and start making your first $1 within 48 hours.
Bucket 3: Dreams (Rewards)
This bucket keeps you sane. Itâs not about blowing money â itâs about reminding yourself why youâre doing all this.
It could be:
- Travel
- Gifts for people you love
- A course youâve been wanting to take
- A âjust for funâ project
If you donât have some reward in sight, youâll burn out before you hit your goals.
Free Tool: My 3-Bucket Financial Goals Worksheet will help you list these out so you donât forget them when life gets busy.
Why This Works
Because itâs not theory. This is what Iâm doing right now while broke and under pressure.
Itâs simple. Itâs brutally honest. And it forces you to focus on what matters today â survive, grow, and still keep hope alive.
đ„ Want the free tools I use daily?
