Money!
This is something I have also struggled with I guess ever since I have started earning money. Going into debt isn't the way to go. Although sometimes it happens. One thing I learned at an early age was called a budget. I get paid a certain amount and my bills should not exceed that. In fact, we should be saving. Until recently, unfortunately, I wouldn't live by a budget. I tried, failed and failed even worse. I prayed but continued to take the situation from God's hands and continued to deal with it myself and failed again. The Lord has helped me, even when I failed, but I know that I wasn't letting Him take care of it or at least listen to Him about what to do.
Not living within my budget caused my problems. I guess I got tired of being knocked upside the head all these years and decided to finally listen. I am know (for a week) on a budget and feeling good. I know that the Lord has provided a way for me and I listen now.
I know that there are surprises that come up from time to time. ($600.00 ouch)
There are plenty of Christian Financial helps out there and I will post one (if I can) if you need me to. I hope this will help you some. I also will be praying for you and your situation.