What you definitely shouldn't do if you're having trouble with your finances
Taking household loans for unnecessary things
It seems that the previous points should have already led to the idea that loans for those who have problems with finances are evil. It is worth reinforcing this idea in one more aspect.
Household loans are presented as an opportunity to buy things you can't afford. Only the trick is that you still can't afford it.
Getting involved in dodgy financial ventures
When money is tight, many people start looking for easy ways to make money and put literally the last of it into lotteries, gambling and pyramid schemes.
If you don't see the letters Hollywood on a nearby hill right now and you're not being shouted at by a director, you shouldn't hope for sudden riches. The more dubious the financial venture, the more money it will pull out of you.
Stop keeping a budget
When money is categorically lacking, it seems that there is no need to count it. After all, it is clear where you spend the money, you can't buy anything extra anyway.
But in this situation it is vital to keep records of expenses and forecast spending, especially large ones. Yes, the information in your tables or notebooks will not be optimistic. But it would not hurt at all to know the real state of affairs precisely, rather than approximately.