The most common and most likely answer to this crossword clue is the 9 letter word ECONOMIZE
I've seen this crossword clue in The Times
E
C
O
N
O
M
I
Z
E
Buddy explains!
The straight part
We know that "She may have to" is the straight/definition part of the clue. The straight part is often a synonym or definition, in this case she may have to = economize.The cryptic/wordplay part
In cryptic crossword there's often an wordplay/cryptic part as well.This part involves a more complex hint, such as an anagram, homophone, hidden word, etc.
Sadly, We don't have an explanation for this specific crossword clue yet.
What does ECONOMIZE mean?
ECONOMIZE verb- To practice being economical (by using things sparingly or in moderation, and by avoiding waste or extravagance).
- To use frugally.