How can I manage my finances without an emergency fund while paying off high-interest debt?

I totally get where you're coming from - it can be tough to save for an emergency fund when you're already struggling to pay off high-interest debt. One strategy that might work for you is to focus on debt repayment first, and then worry about building up your emergency fund. To prioritize your debt repayment, try using the debt avalanche method: pay the minimum on all your debts except the one with the highest interest rate, which you should pay as much as possible towards. This way, you'll save money in interest over time and make progress on paying off your debt.

Another thing you can try is to cut back on unnecessary expenses and allocate that money towards your debt. See if there are any subscription services or habits that you can cut back on, and put that money towards your debt instead. You can also try the 50/30/20 rule: 50% of your income goes towards necessities like rent and utilities, 30% towards discretionary spending, and 20% towards saving and debt repayment. This can help you prioritize your spending and make sure you're making progress on your debt.

As for managing unexpected expenses without an emergency fund, you might consider using a credit card with a 0% introductory APR to cover unexpected expenses. Just make sure to pay off the balance in full before the APR kicks in, or you'll end up paying even more interest. You can also try reaching out to your creditors to see if they can offer any temporary hardship programs or payment extensions. It's not ideal, but it might be a temporary solution to help you get back on track.