out of pocket

noun
1.
lacking money.
2.
having suffered a financial loss.
Dictionary.com Unabridged

out-of-pocket

[out-uhv-pok-it]
adjective
1.
paid out or owed in cash; necessitating an expenditure of cash: The out-of-pocket expenses include cab fares.
2.
without funds or assets: an out-of-pocket student who stayed with us.

Origin:
1880–85

Dictionary.com Unabridged
Based on the Random House Dictionary, © Random House, Inc. 2014.
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Collins
World English Dictionary
out of pocket
 
adj
1.  (postpositive) having lost money, as in a commercial enterprise
2.  without money to spend
3.  (prenominal) (of expenses) unbudgeted and paid for in cash

Collins English Dictionary - Complete & Unabridged 10th Edition
2009 © William Collins Sons & Co. Ltd. 1979, 1986 © HarperCollins
Publishers 1998, 2000, 2003, 2005, 2006, 2007, 2009
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American Heritage
Idioms & Phrases

out of pocket

  1. Lacking money; also, having suffered a financial loss, as in We can't go; I'm out of pocket right now. William Congreve had it in The Old Bachelor (1693): "But egad, I'm a little out of pocket at present." [Late 1600s]

  2. Referring to actual money spent, as in I had to pay the hotel bill out of pocket, but I know I'll be reimbursed. This expression sometimes occurs as a hyphenated adjective mainly in the phrase out-of-pocket expenses, as in My out-of-pocket expenses for business travel amounted to more than a thousand dollars. [Late 1800s]

The American Heritage® Dictionary of Idioms by Christine Ammer.
Copyright © 1997. Published by Houghton Mifflin.
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Example sentences
All this grant spending helped to hold down the amount the typical
  undergraduate paid for college out of pocket.
That's also roughly the cost of the first launch itself, and space-x has paid
  all other expenses out of pocket.
They can pay out of pocket for the care they may end up needing in their frail
  years.
And his treatment will cost far more than his parents can pay out of pocket.
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