2. Slash nonessential expenditures
In the event of a negative number, you are most likely overspending. The simple solution is much harder to do than to say: cut down on spending. Particularly, sacrifice first from your “fun” category. I know it hurts, but remember that this is temporary and leads to long-term stability. Redirect the “fun” money towards debts while becoming more resourceful, eating more meals at home and putting off your vacation.