These are precisely the kinds of payments you want to avoid because you aren't getting anything for them. Only dip into this money to keep yourself out of debt. For instance if you have a large credit card bill it is better to pay it off right away than to wait and pay all of that interest. Make sure that if you dip into your buffer money you replace that money as soon as possible. Perhaps the most dangerous debt hazards is the credit card.
Credit cards are convenient to use and fairly easy to get.
You do not have to shun credit cards to avoid debt but you must keep track of them. It is usually best to use only one credit card so you don't get confused as to how much you've charged up in a month. Make sure you check on your credit card balance periodically. Most credit cards provide automated phone lines where you can check your balance. You should always be aware of how much money you've charged and compare that with how much money you have in the bank.