Whatever your income level, you can always do a better job of managing the resources you have. Unless you are faced with a catastrophic loss due to injury, illness or death, how you manage your resources determines whether or not you survive or go into debt. Controlling your expenditures is definitely the first level of concern. but many people lose money through ignorance of their rights and knowing their options.
The U.S. Financial Literacy and Education Commission (the government has a commission for everything) has an extensive Website called "Mymoney." They have resources on budgeting and taxes, credit, financial planning, home ownership, paying for education, children, privacy, fraud, scams, responding to life events, retirement planning, saving and investing and starting a small business.
Education is the first step to enlightenment. Use the resources available to educate yourself as to the best ways to avoid debt and survive these hard times.