The correct answer to this open question is the following.
Although you do not attach options or further context or references we can comment on the following.
What the sum total of his monthly installments come to more than his monthly wages tell me about his financial situation is that he does not have the financial knowledge either the financial discipline to establish the proper financial control of his earnings vs. his expenses.
That is why he has a deficit and probably cannot make ends meet.
It is highly recommended that he could elaborate a monthly budget to follow through completely and can monitor and evaluate how things are going every week. This way, he would know the amount of money he has to spend, the expenses he has to pay, the money left to save or expend on some entertainment or not.
He has to be disciplined to strictly respect the monthly budget, otherwise, he will continue to have financial problems.
