Bolton chairman Phil Gartside says the club will not be splashing out when the transfer window reopens in January.
Djorkaeff is one of the big names at Bolton
Bolton have avoided relegation over the last two seasons despite a relatively small outlay on new players.
And Gartside says the club will not be changing its plans just because they are now flying high in 10th place.
"We have to balance the books," said Gartside.
"If we've got some money (in January) then we can use it, but Sam (Allardyce) knows what he is working with and he has to balance that with what he wants to do in the summer next year and with his ambition for this season.
"We can't afford to spend any money we haven't got. We're not going to go down that route. It's still tight financially, and not just here.
"If you've got no money, you've got no money, so it's actually been easy to resist temptation because when I say no to Sam he knows I can't say anything else."
Gartside admitted he dreamed of finishing high up in the Premiership but insisted survival was the most important thing for the Trotters.
"Obviously, we're not going to win the Premier League, but it's not impossible for us to finish sixth," said Gartside.
"But the belief is if we can be fourth bottom then that's success for the season, and anything beyond that is a bonus."
Despite their tight budget Bolton have managed to attract players of the calibre of French World Cup winner Youri Djorkaeff and Nigerian star Jay-Jay Okocha to the club in recent seasons.