Definitely not a credit card, as that will only snowball debt. If your basic expenses exceed income, more money needs to be allocated, and spending needs to be wisely reduced. Taking out a loan can temporarily help with problems, so I'd say loan.
A healthy financial life must be properly planned. A person should not have higher expenses than his income, otherwise he will be in debt. If this happens to you, the first solution you should take is to reduce your expenses. You need to make your spending structure be in line with your budget and if possible, your income should exceed your spending so you can save some money.
