yeah same when I was playing I kept on going into debt and it was hard to get money because I kept on spending it ;-;
Chester can eat a few villagers for coins which is fine, but if you are low on villagers don't let him.
Same with the witch, she can give you coins but it costs you two villagers.
You can see what day it is after each day.
If you have many villagers but little coins, you can let them leave.
But if you have little villagers and many coins, pay them.
that's what I did eventually but I really got me angry sometimes mostly because it would happen when I would do something for the community that costs like a bunch of coins and they repay me by leaving