Is it rude to make plans with a friend and then have to cancel last minute because of money?

I made plans at the beginning of this week with my friend. We agreed to go to the city to this comedy club, and I had just enough money to pay for it. I didn't forsee that a direct debit would be coming out of my account at the end of the week though, and this company charged me twice leaving me with no money. I also don't have a job yet so don't have a steady income.

I realised the morning of the plans that I have no money left in my account because the company charged me twice. I rung my friend and apologised because I have to cancel the plans. I couldn't afford it. She said no worries but now I feel like an AH. Am I a bad friend? What can I do to make it up to her?

Is it rude to make plans with a friend and then have to cancel last minute because of money?
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