I can't explain for you exactly why this is, as I'm still remembering how grammar works exactly, so I'm leaving a comment instead. "She has no money." - This one is correct. "She has not got any money." - This actually is technically correct, but you'll rarely, if ever, hear it. When making this statement, you're going to want to contract the "Has not", like this: "She hasn't got any money." Again, it's not wrong, but the contraction looks and sounds more natural. As for "She has not money." - You're right, this is invalid as it is, though with a slight change, it'll be the same as the example I gave you above. It'll vary a little, because English is riddled with exceptions that I can't even try to fathom right now, but you can use the contraction of "have not (Haven't)" instead of the two words. You can also use the following example to use "have" without either "got" or "don't": "She doesn't have any money." When applying this to the self, however, it doesn't work. "I doesn't have any money." would be invalid. ....English is tricky like that.