Katherine Heigl's hit hard times

 

Katherine Heigl's hit hard times ... telling us she needs to hang onto every penny and is in NO position to donate cash to finish her new movie.
Here's the thing ... Hollywood hasn't exactly been beating down Katherine's door since she foolishly left "Grey's Anatomy" and trash talked Judd Apatow's movie -- she even admits it in this clip.

So now she's counting on a crowd funding campaign to raise $150,000 to complete her indie film "Jenny's Wedding" -- and makes it clear she won't be pitching in because she just ain't got it like that anymore.

Katherine hints about a menage a trois in the movie. We think she's joking, but that would definitely raise a buck or two.