You have to calculate the income that you earn every month and it doesn’t include the salary of your job only but also some other methods that you use to earn money like freelancing etc. Add your monthly income for the last 12 months and divide it by the number of months in a year to know the average monthly income.
Divide all your expenses to different categories and keep bills in one category. The possible categories can be mortgage, rent, bills, car payments, repairs, fuel, groceries, insurance, credit card debt, student loans and anything other category.
Gather the receipts of all bills from the last 12 months and divide it by the number of months in a year. You will get the average figure of your bills. You have to do that to every category you made and calculate the total of that as well.
See if the figure calculated in the last step is lower than the average monthly income. If it is, you have to get some sort of loan and reduce the amount of expenses. Make adjustments for the inflation and then do the calculations.