If you consistently run a deficit, then such guides are not for you. I would think it a given that such a guide assumes outflow not exceeding income. So perhaps

If you consistently run a deficit, then such guides are not for you. I would think it a given that such a guide assumes outflow not exceeding income. So perhaps for a person such as yourself, Step 1: get expenses under control. One can offer all sorts of excuses as to why that's not possible, but the fact remains that it's not sustainable.