A credit card may be used to take care of the need. Money may be borrowed from a friend or family. One or two bills may be skipped that month to free up needed money. Other needs may be ignored that month. No matter what method is used, the results are the same.
More debt is created.
The next month more money needs to be available to make payments and to pay on debts. This leaves less money to meet needs and prepare for upcoming expenses. I believe a shift in thinking has to take place. The short-term savings have to become just as important as the debt. That is a difficult concept to accept for someone focused on getting out of debt.