Personal Debt-Ceiling Advice from Rav Aviner

Question: Our debt continues to grow. Is there a Segula to reverse this trend?
Answer: Certainly. You should spend less than you bring in, and not rely on the miracle of overcoming a simple mathematical principle. The Tur wrote that one should limit his expenses. The Mishnah Berurah explains that this is a harsh criticism against those who are enticed to spend money on luxuries without seeing the consequences, which in the end lead to theft and disgrace. Biur Halachah chap. 529. One should plan well.

Question: If someone does not have money for Shabbat or a wedding, should he
collect donations?
Answer: He certainly should not collect donations. Collecting donations is only legitimate for essential needs like food or medicine, as is written at the end of the Mishnah in Pe'ah (8:9): “Anyone who does not need (to take tzedakah) and does so anyway will not leave this world before being in need of other people (because he is poor); and anyone who needs to take (tzedakah) and does not do so will not die from old age before supporting others from what he has acquired.” This means that a person should not ask for donations for non-essentials. The Gemara says: "Make your Shabbat like a weekday and do not require [the help] of others" (Shabbat 118a, Pesachim 112-113), i.e. it is better to eat simple food such as bread and salt than to receive tzedakah. But if he does not have anything to eat, he should ask for tzedakah. The same applies for a wedding: a person needs to get married but he does not have to make a fancy wedding if he does not have the money to do so. I have friends who do not have a lot of money: one made a wedding in a nice outside area and brought sandwiches. The entire wedding cost 50 shekels. Another friend invited ten of us to the building of the Rabbinate which has a small hall. We drank coke, ate some cake, and the entire wedding cost 20 shekels. In Jerusalem in the Old Settlement as well as in Poland, people were poor and they made a wedding an hour before Shabbat, then davened ma'ariv and ate their Shabbat meal - which doubled as the wedding meal. If a person wants to live with extras it is a personal decision, but living with extras with other people's money is unheard of.