How do you avoid incurring unmanageable debts?

To avoid incurring unmanageable debts, create a detailed budget that tracks your income and expenses, prioritizing essential needs over wants. Limit the use of credit cards and loans, only borrowing what you can realistically repay within your budget. Additionally, build an emergency fund to cover unexpected expenses, reducing the need for debt in emergencies. Regularly review your financial situation to make necessary adjustments and stay on track.