Some people go into heavy debt because of illness and high medical bills. Others due to failed business ventures or other mishaps or unfortunate circumstances.
Yet others drown in debt due to the great cost of making simcha and the aftermath.
In the latter case there is one should be singing Hashem's praises day and night. The money is not yours anyway but the simcha is.
In the former cases one must of course be grateful to Hashem and bi-simcha as well. The halacha [in Shulchan Aruch!!] is that one must bless Hashem for what seems like bad with the same simcha he blesses Hashem for what seems good.
But if there is a simcha and one feels over burdened and over stressed due to the financial pressures the call of the day is "perspective". Hashem gave a huuuuge bracha. Thank Him, enjoy it, spend what has to be spent and know for a fact that He will take care of everything.
Guaranteed.
We call it "Bitachon".
PERFECT for Parshas Beshalach.