An interesting judgment. It is by getting into debt to spend more. I used to borrow before paycheck, I spent 30 percent more than I earned, but with each new month when I received my salary, I had to give back this 30 percent. Thus, it is difficult to say whether I lived in plus or minus. It turns out that in this case I spent more and received even more.
Actually, you're currently in a negative situation where your income should have had an emergency fund allocation that could have been used to pay off your debts until you're debt-free. The total amount of money you spend equals your total income. This is not ideal for a longer-lasting life, as everyone eventually stops working at a certain age. The human body is limited, but money in this world is limitless.
You need to reevaluate your salary allocation management. Make it a priority to pay off your debts, even if it means working hard for a while. Once you reach the point where your debts are fully paid off, you will automatically have leftover income that you can use for investments.