To stay out of unmanageable debt you need to spend less than your total net income. When life throws me a financial curve I get a second job, sell stuff, and cut expenses to the bone. Within a short period of time I am back on track. I have learned that I need to acknowledge the financial crisis sooner rather than later. It is a daily process. I hope this helps others. I am raising 7 children on a limited income. I have found a way to make it work for us.