In these days of easy credit many people find themselves in the financial mire, obviously it's best not to use credit in the first place but some people are easily tempted and they seem to feel they are entitled to have the best of everything.
When hubby & I bought our house it coincided with a sudden downturn in the building industry & hubby was out of work. Our mortgage payment was £500 a month & my takehome pay was £750, we weren't eligible for any benefits so we just had to manage.
It was 18 months before hubby got regular employment again though he did get some odd temp jobs.
The council tax and utilities & my travel costs came to £160 a month.
I had to feed 3 of us, me, hubby & a teenage boy on what was left.
It was a struggle but we managed we ate a lot of carbs & lots of veg, very little fruit or meat as they were both too expensive.
We didn't apply for credit cards or loans for a quick fix.
What we did do was to cut all our spending completely, we cut our coat to suit our cloth. We barely had the heating on, we went to bed early to keep warm, we didn't go out, we didn't buy any clothes or anything that wasn't absolutely essential. In fact when our kettle stopped working we boiled water in a saucepan for 3 months until we could afford a new one.
The other thing we did was to look for ways to increase our income, hubby started to prep the garden to grow veg, we took in lodgers, dog sat, sold things on ebay, I took any overtime that was offered, hubby took any temp work he could get. We didn't buy furniture for the house, apart from 3 beds. We used a garden table & chairs to eat off in the kitchen, all the other furniture was given to us. We managed without most things as we didn't want to get into debt!