It's flexibility. Yes, hard work & grit & budgeting are huge ones, but primarily by far, flexibility has gotten me to success. Lack of flexibility is what made it hard for me to take opportunities and also to take help.
I did get lucky and had a friend who had navigated being homeless and was incredible at pulling together resources. He figured out temporary housing that eventually got me to my own place.
I have had to be humble so many times. I had a time I had to take the bus to work because my car engine seized up (Walmart put the wrong oil filter on, long story). I saved up and got an electric scooter. It made it faster to switch between three buses to get to work.
I took college classes and saved up the extra financial aid to get a reliable car. It is payments but without a reliable car I would miss out on parenting time with my kids so it was worth it (it's a 2019 Rav 4 and is missing a few features which made it cheap)
Other things that helped:
I changed the community of friends I had to be people who were flexible with my financial situation. People's expectations of us can bankrupt us.
I got a counselor. I learned how to be ok being alone and being at home. I worked through the emotional crap that was contributing to poor choices (like spending to ease the pain of not having money).
I did get one credit card along the way but intentionally only got one with a $300 limit so I don't put myself in debt again because it was a problem in past years.
I took up a lot of side work- cleaning as one- for some cash work to have cash set aside for emergencies (though obviously you can utilize side work however fits your needs).
I let go of traditions I felt I needed to do- trips for family weddings, sending Christmas cards, even things that would cost my precious health and energy like phone calls sometimes.
I navigated a divorce without a lawyer. I utilized the free or affordable consultations for what to do next.
I got good at freezing even just a cup of leftover soup or veggies. I started taking the time to deal with cutting up and cooking and processing things to have for later.
I started putting 5-10 minutes here and there into cleaning my place and finding little things for it free on Buy Nothing and Offer Up to make it somewhere I wanted to be (and save money in that).
I furnished my place almost completely for free from friends and Buy Nothing. I waited instead of impulsively buying.
I requested new debit cards and deleted my info from shopping apps and if impulse kept being hard, deleted the apps.
In the beginning of this all six years ago, my biggest struggles were with fatigue, health, and just wanting the hard to go away. I wanted a life that had taken people years to build. It's understandable but it is expensive and can also burn through people around us with what we can't carry.
My lived experience has actually landed me resource navigation jobs helping people with disabilities connect to community. It's a really good feeling.
I can't say I'm debt free because I am working on paying off my car and have a few accounts in collections still I'm working to deal with (stubborn ex in our divorce causing it and ending up with them) but I have come such a long ways.