If you are in a situation of financial crisis, look first at short term transitional options. What you opt for is not a long term solution but a quick fix. Something that gives you the back up and the possibility to step back and take more radical decisions at a later stage.
If you get into a difficult financial situation, it is essential to shift key over spending behaviors. This means realistic financial planning.
What brings trouble is lack of realism, too high expectations or unaffordable goals. You have to reshape your behaviors to fit with what your real resources are.
A crisis situation is always stressful. Deal with it using your survival instincts and conquering power. Let go of pride and simply look at short term survival needs, before aiming to deeper reshaping of your life.
Take the top 3 priorities and focus on that. Let go of what you can't afford right now.