When it comes to finances, the phrase "out of funds" can evoke a sense of stress and panic. However, this phrase can be replaced with several synonyms that may soften the blow. For example, one might say they are "low on cash" or "out of money." Another option could be to use the phrase "strapped for cash" or "running dry." Additionally, one might say they are "depleted of funds" or "spent up." Regardless of which synonym you choose, it's important to remember that these phrases should be used as warnings or signals that it's time to start budgeting and saving.