Ok so putting my cards on the table as it were, I'm not a member
of a club, so I'm not familiar with the fine detail of running one.
At the same time being outside of a situation can sometimes
give a different viewpoint; my first reaction on reading the OP
was that like many businesses and organisations,
the answer could be to base expenditure on income
rather than plan to spend, then look for income.
In other words if the money's not coming In,
don't plan to spend it. Keep the club ticking over,
just pay out what has to be paid, and