Review your finances all the time. You might be surprised at how much you are spending on frivolous things you don't really need. You may be depending on your money to bring security, but is false thinking. Your money is nevet secure on earth, it can disappear suddenly.
Although borrowing money is not itself sinful, but the failure to repay a debt is a sin. You must be careful and wise when you borrow so you don't become a slave to debt.
Debt can be dangerous because it adds the pressure of being obligated to someone you may know or someone you may not even know. Much better if you owe nothing to anyone!
