Idioms for being broke are fun phrases that mean something different from the literal words you see on the page. People use them every day to add color to their conversations and share feelings quickly. In this article, you will learn many helpful idioms related to being broke and having very little money.
In this lesson, we’ll look at Idioms that mean managing tight budgets, experiencing empty wallets, and having no extra cash. Let’s get started and explore some of these helpful expressions.
Idioms for Being Broke
1. Flat broke
Meaning: Having zero money left in your wallet or bank account.
For Example: After buying his new video game, Leo was completely flat broke. / Saving allowance is important so you do not end up flat broke before the weekend.
Other Ways to Say: Out of cash / Completely penniless
2. Skint
Meaning: Having no money left to spend on fun activities or treats.
For Example: He could not go to the movie theater because he was completely skint until payday. / Being skint meant packing a lunch from home instead of buying school pizza.
Other Ways to Say: Short of money / Out of funds
3. Penniless
Meaning: Having absolutely no money or valuable coins left.
For Example: The story character started his journey penniless and built his success. / Spending all his savings left him feeling penniless.
Other Ways to Say: Without a cent / Broke
4. Broke as a joke
Meaning: A fun rhyming phrase meaning you have zero money remaining.
For Example: He checked his piggy bank and laughed because he was broke as a joke. / Do not ask to borrow money today because I am broke as a joke.
Other Ways to Say: Totally broke / Empty-pocketed
5. On hard times
Meaning: Experiencing a difficult financial period with very little money.
For Example: The local shop hit hard times when fewer customers visited during winter. / Helping neighbors who fall on hard times is a kind thing to do.
Other Ways to Say: Financial struggle / Struggling with money
6. Out of pocket
Meaning: Having spent all your available cash on expenses.
For Example: Buying those new soccer cleats left him completely out of pocket for the month. / I cannot join the museum trip because I am out of pocket right now.
Other Ways to Say: Out of cash / Financially drained
7. Cleaned out
Meaning: Having all your money completely spent or taken away.
For Example: Paying for the bicycle repairs left his savings completely cleaned out. / The shopping trip cleaned out her birthday money entirely.
Other Ways to Say: Broke / Financially wiped out
8. Hard up
Meaning: Struggling temporarily because you do not have enough money.
For Example: When he was hard up for cash, he did extra chores around the neighborhood. / Do not lend money unless you are not hard up yourself.
Other Ways to Say: Short of cash / Needing money
9. Down to your last penny
Meaning: Having only one final coin remaining before you have nothing.
For Example: After buying the ice cream cone, she was down to her last penny. / Saving keeps you from getting down to your last penny.
Other Ways to Say: Nearly broke / Out of funds
10. Empty pockets
Meaning: Having nothing inside your pockets because you have spent all your cash.
For Example: He turned his pockets inside out to show his empty pockets at the store counter. / Walking home with empty pockets made him realize he needed to save more.
Other Ways to Say: Broke / Without money
11. Living on a shoestring
Meaning: Operating with an extremely small amount of money and a tight budget.
For Example: College students often find themselves living on a shoestring budget. / Cooking simple meals helps when you are living on a shoestring.
Other Ways to Say: Living cheaply / On a tight budget
12. Tighten your belt
Meaning: Spending less money because your funds are running very low.
For Example: We had to tighten our belts after vacation expenses used up our savings. / Learning to budget means knowing when to tighten your belt.
Other Ways to Say: Save money / Spend less
13. Not a penny to your name
Meaning: Possessing absolute zero money or valuable assets.
For Example: He lost his wallet and walked home with not a penny to his name. / Starting a new life with not a penny to your name takes courage.
Other Ways to Say: Completely penniless / Totally broke
14. Out of funds
Meaning: Having exhausted all the money set aside for a specific purpose.
For Example: The art club project stopped because they were out of funds for paint. / We checked our account and realized we were out of funds.
Other Ways to Say: Broke / Cash depleted
15. In the red
Meaning: Owing money or having a negative balance in your account.
For Example: Spending more than you earn puts your bank account right in the red. / The small shop worked hard to get out of the red after a slow season.
Other Ways to Say: In debt / Negative balance
16. In debt
Meaning: Owing money to someone else that you have to pay back.
For Example: Borrowing money for the bicycle left him in debt to his parents. / Working hard helps you pay off what you owe and get out of debt.
Other Ways to Say: Owing money / Financially obligated
17. Broke to the wide
Meaning: Completely and totally out of money with no backup cash.
For Example: After buying concert tickets, he was broke to the wide. / Being broke to the wide taught her the value of saving allowance.
Other Ways to Say: Utterly broke / Completely penniless
18. Without a pot to piss in
Meaning: A very old, informal expression meaning you are extremely poor and broke.
For Example: The grandfather joked that when he was young, his family was without a pot to piss in. / Starting with nothing means working hard even if you are broke.
Other Ways to Say: Extremely poor / Totally destitute
19. Destitute
Meaning: Having no money, food, or home to survive comfortably.
For Example: Charity organizations work hard to help destitute families in the city. / Losing everything left the characters destitute in the novel.
Other Ways to Say: Impoverished / Extremely poor
20. Impoverished
Meaning: Living in a state of extreme lack of money and resources.
For Example: The history book described how the village became impoverished after the storm. / Donations helped support the impoverished neighborhood.
Other Ways to Say: Very poor / Needy
21. Pauper
Meaning: Someone who has become extremely poor and has no money.
For Example: The prince swapped clothes and lived like a pauper in the classic story. / Saving money keeps you from living like a pauper later in life.
Other Ways to Say: Very poor person / Destitute individual
22. Strapped for cash
Meaning: Needing money urgently because you have very little left.
For Example: When the family was strapped for cash, they delayed their vacation plans. / Selling old toys is a great way to earn money when strapped for cash.
Other Ways to Say: Short of money / Needing funds
23. Out of cash
Meaning: Having paper bills and coins completely depleted.
For Example: The arcade machine would not take his card because he was out of cash. / Always check your wallet to make sure you are not out of cash before shopping.
Other Ways to Say: Broke / Penniless
24. Reaching bottom dollar
Meaning: Using up almost all your money until only the final dollar remains.
For Example: Buying the school supplies brought him down to his bottom dollar. / Guard your savings so you never have to spend your bottom dollar.
Other Ways to Say: Out of money / Final funds
25. Broke like the church mouse
Meaning: A playful way to say you are extremely poor and have no money.
For Example: He checked his wallet and joked that he was poor like a church mouse. / Saving allowance stops you from being broke like a church mouse.
Other Ways to Say: Very poor / Totally broke
26. Living hand to mouth
Meaning: Spending every earned coin immediately on basic survival with no savings.
For Example: During the difficult first year, the family was living hand to mouth. / Building a savings account keeps you from living hand to mouth.
Other Ways to Say: Surviving day to day / No savings
27. On the breadline
Meaning: Living in a condition of extreme poverty with barely enough food.
For Example: Many families found themselves on the breadline during the economic crash. / Social programs aim to lift people off the breadline.
Other Ways to Say: Very poor / Struggling to survive
28. Behind on bills
Meaning: Lacking enough money to pay for monthly expenses on time.
For Example: Forgetting to budget left them behind on bills for the month. / Paying expenses early ensures you never get behind on bills.
Other Ways to Say: Owing payments / Late on bills
29. Financial crunch
Meaning: A sudden period where money is extremely tight and hard to find.
For Example: The sudden car repair caused a financial crunch for the household. / Budgeting helps families survive any unexpected financial crunch.
Other Ways to Say: Money squeeze / Budget tightness
30. Cash strapped
Meaning: Experiencing a severe shortage of available spending money.
For Example: The school club was cash strapped and could not buy new art supplies. / Being cash strapped means looking for free activities on weekends.
Other Ways to Say: Short of cash / Financially tight
31. Out of funds entirely
Meaning: Having every single account completely empty of money.
For Example: The project halted because they were out of funds entirely. / Checking the bank app confirmed we were out of funds entirely.
Other Ways to Say: Fully broke / Cash depleted
32. Drained account
Meaning: A bank balance that has been completely emptied by purchases.
For Example: Buying the computer left him staring at a drained account. / A drained account means waiting for allowance day.
Other Ways to Say: Empty balance / Spent savings
33. Bare cupboards
Meaning: Having no food because there is no money left to buy groceries.
For Example: Poor budgeting left the family with bare cupboards by the end of the month. / Working hard ensures you never have bare cupboards at home.
Other Ways to Say: Empty pantry / No food left
34. Broke and busted
Meaning: A slang phrase for being completely out of money.
For Example: He checked his pockets and declared himself broke and busted. / Buying those tickets left him broke and busted until next week.
Other Ways to Say: Totally broke / Out of cash
35. Out of greenbacks
Meaning: A slang term for having no paper money left in your wallet.
For Example: He opened his billfold and realized he was out of greenbacks. / The vending machine takes cards because everyone is out of greenbacks.
Other Ways to Say: Out of cash / No bills left
36. Out of change
Meaning: Having no coins left in your pocket or piggy bank.
For Example: I checked my coin pouch and found I was completely out of change for the bus. / Saving loose coins stops you from running out of change.
Other Ways to Say: No coins / Coinless
37. Empty wallet
Meaning: Opening a billfold to find zero money inside.
For Example: Finding an empty wallet after shopping caused a moment of panic. / Always secure your money so you do not end up with an empty wallet.
Other Ways to Say: Broke / Cashless
38. Bank account wiped out
Meaning: Having every dollar removed from your savings through spending.
For Example: Paying medical bills left his bank account wiped out. / He saved for months after having his bank account wiped out.
Other Ways to Say: Savings gone / Account emptied
39. Running on fumes financially
Meaning: Having barely enough money to get through the final days of the month.
For Example: By the last week before payday, the household was running on fumes financially. / Saving extra cash stops you from running on fumes.
Other Ways to Say: Barely surviving / Almost broke
40. Empty piggy bank
Meaning: A child’s savings container that has been completely emptied.
For Example: Shaking his piggy bank produced no sound because it was an empty piggy bank. / He saved all summer to refill his empty piggy bank.
Other Ways to Say: Spent savings / Coinless bank
41. Broke status
Meaning: Reaching the official personal condition of having no money.
For Example: After paying for the party snacks, his wallet reached broke status. / Maintaining a budget keeps you away from broke status.
Other Ways to Say: Being broke / Out of cash
42. Financial rock bottom
Meaning: Reaching the lowest possible point in your money management.
For Example: Spending all his savings on video games brought him to financial rock bottom. / Things improve once you bounce back from financial rock bottom.
Other Ways to Say: Lowest funds / Monetary low
43. Out of funds status
Meaning: The official state of having zero money remaining for expenses.
For Example: The club treasurer announced they were in an out of funds status. / Checking the register confirmed the out of funds status.
Other Ways to Say: Broke / Cashless
44. Beggar’s purse
Meaning: A metaphorical description of having a completely empty money pouch.
For Example: Opening his small pouch felt like looking into a beggar’s purse. / Saving coins keeps your wallet from turning into a beggar’s purse.
Other Ways to Say: Empty purse / Poor man’s wallet
45. Penniless wanderer
Meaning: Someone who travels with no money or possessions.
For Example: The adventure story featured a penniless wanderer exploring the countryside. / He joked that he felt like a penniless wanderer after shopping.
Other Ways to Say: Broke traveler / Poor nomad
46. Financial desert
Meaning: A period where money is completely dry and unavailable.
For Example: Waiting for the next paycheck felt like crossing a financial desert. / Good planning helps you avoid hitting a financial desert.
Other Ways to Say: Money drought / Cash shortage
47. Broke zone
Meaning: Entering the phase of having spent all your allowance.
For Example: Buying that large toy pushed him straight into the broke zone. / Saving money helps you stay far away from the broke zone.
Other Ways to Say: Out of cash / Broke territory
48. Cash drought
Meaning: A sudden lack of spending money in your possession.
For Example: The summer months brought a cash drought before chores started again. / Doing extra jobs cured his cash drought quickly.
Other Ways to Say: Money shortage / Dry spell
49. Fund famine
Meaning: A humorous term for having zero money available for purchases.
For Example: The art club experienced a fund famine until donations arrived. / Checking my wallet revealed a complete fund famine.
Other Ways to Say: Money famine / Cash shortage
50. Wallet vacuum
Meaning: A funny way to describe spending all your money so fast it feels sucked out.
For Example: Buying the comic book collection acted like a wallet vacuum. / Guard your cash so you do not experience a wallet vacuum.
Other Ways to Say: Quick spender / Money drain
51. Coinless wonder
Meaning: A humorous nickname for someone who forgot their money.
For Example: He checked his pockets at the snack bar and felt like a coinless wonder. / Always bring your card so you are not a coinless wonder.
Other Ways to Say: Without coins / Broke person
52. Broke and benched
Meaning: Being out of money and unable to join fun outings with friends.
For Example: Staying home from the arcade left him feeling broke and benched. / Saving allowance keeps you from being broke and benched on weekends.
Other Ways to Say: Left out due to lack of cash / Broke
53. Empty vault
Meaning: A dramatic way to describe having zero money in your savings box.
For Example: Opening his metal lockbox revealed an empty vault of savings. / He vowed to refill his empty vault with chore money.
Other Ways to Say: Empty savings / Depleted bank
54. Spending limit reached
Meaning: Having spent every allowed dollar on your budget.
For Example: The card declined because his spending limit reached zero. / Keeping track of purchases stops you from hitting your spending limit.
Other Ways to Say: Out of cash / Budget maxed
55. Wallet flatlining
Meaning: A funny medical metaphor for a wallet with zero money left.
For Example: After paying for lunch, his wallet was practically flatlining. / Checking his account showed his balance flatlining.
Other Ways to Say: Out of money / Empty billfold
56. Broke blues
Meaning: The sad feeling you get when you realize you have no money left.
For Example: Sitting at home with no cash gave him the broke blues. / Working hard helps cure the broke blues.
Other Ways to Say: Money sadness / Broke feeling
57. Cashless crunch
Meaning: A sudden moment of needing money when your wallet is empty.
For Example: The bus fare required exact coins, leading to a cashless crunch for him. / Avoiding a cashless crunch takes good planning.
Other Ways to Say: Money squeeze / Coin shortage
58. Zero balance
Meaning: Having exactly zero dollars remaining in your account.
For Example: Checking the ATM screen showed a frustrating zero balance. / Earning allowance helps you move away from a zero balance.
Other Ways to Say: Empty account / No money left
59. Broke reality
Meaning: Facing the honest truth that you have spent all your cash.
For Example: Opening his empty wallet brought him face to face with broke reality. / Budgeting helps you avoid harsh broke reality.
Other Ways to Say: Hard truth / Broke truth
60. Final penny spent
Meaning: The exact moment when your absolute last coin is gone.
For Example: Buying the final sticker meant his final penny spent was gone. / Guard your savings before your final penny spent occurs.
Other Ways to Say: Completely broke / Out of funds
Exercise to Practice
- After buying his new video game, Leo was completely ________.
- He could not go to the movie theater because he was completely ________ until payday.
- Spending all his savings left him feeling ________.
- He checked his piggy bank and laughed because he was ________.
- Buying those new soccer cleats left him completely ________ for the month.
- Paying for the bicycle repairs left his savings completely ________.
- After buying the ice cream cone, she was ________.
- He turned his pockets inside out to show his ________ at the store counter.
- College students often find themselves ________ on a shoestring.
- We had to ________ after vacation expenses used up our savings.
- He lost his wallet and walked home with ________ to his name.
- Spending more than you earn puts your bank account right ________.
- Borrowing money for the bicycle left him ________ to his parents.
- During the difficult first year, the family was ________ hand to mouth.
- Forgetting to budget left them ________ on bills for the month.
Answer Key
- flat broke
- skint
- penniless
- broke as a joke
- out of pocket
- cleaned out
- down to her last penny
- empty pockets
- living
- tighten our belts
- not a penny
- in the red
- in debt
- living
- behind
Conclusion
Learning idioms related to being broke helps us talk about money management and budgeting challenges with creativity and humor. These fun expressions give us a shared vocabulary for describing tight financial spots and the importance of saving. Try using a few of these new idioms when discussing allowance or shopping stories with your friends today. You will make your communication more colorful while learning smart lessons about money.
