OK. We ahve some limitations here.
You can buy aftermarket clutch perches with adjustable positioning. But you mention a limited budget. If your budget can afford one, then thats the best solution. Check with Messrs Cycletreads.
Solutions involving spacers require a workshop and at least a diploma in bodgery.
The simplest , albeit crude, solution , which often works , is simply to wind in the adjuster.
If you look at your clutch lever. Just to the right of the bit that moves toward the handlebar, you should see a black cable. It will be completely round, there may be others which are black, but are electric wires. You want the round one. About as thick as a pencil . That's the clutch cable.
Now have a look at the bit where the clutch cable goes into the moving lever bit. There will be a little gizmo that looks like a screw. It may be under a rubber cover. That's the clutch adjuster. There will be a little turny nut bit on the adjuster. If you wind that in (so it comes back to the right), the lever should get "loose" and "floppy" . So when you pull the clutch lever in, the first bit of the movement is very light. That will effectively reduce the reach of the clutch. Experiment and try , to see how "floppy" you can make the lever, before it starts making nasty crunching noises when you put it into gear.
I did this for a chick with small hands, and it worked OK. It looks a bit grungy because the lever is floppy . If you do this, you'll find that you'll need to redo it every time you have the bike serviced, because they will helpfully adjust it correctly. (I have manfully resisted associations between husband who thinks we are weirdos and "floppy" ).
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