You don't make enough money. You may have too many cities and not enough Marketplaces and Banks. You may have too many units. They cost money too. Why don't you have a look at the financial advisor screen and see what it says?
always use cottages for your economy.and choose you cities very good and build them close.dont make too many cities.use financial civilizations.(you never need markets and banks).always check you maintance limit.and courthouse is very effective.and dont make too many military.
I agree with my friend from Asia Minor with the exception of "use financial civilizations.(you never need markets and banks)". As the game goes on and everything gets more expensive, even Financial civs need banks in their best commerce cities, not to mention markets and grocers, especially where you need the happy/health boost too.
To deal with the immediate problem, try the following steps:
Check your civics. Consider changing from those with high or medium upkeep to those with low or no upkeep, especially if they offer no financial benefits.
Delete units yourself. Rather than letting the game disband them for you and potentially losing some valuable veterans, get rid of your oldest, most obsolete units yourself. Also get rid of all but one token garrison unit in your inland core cities; you can usually get away with focusing your forces in border and coastal cities.
Pull back units. All units outside your cultural borders incur additional maintenance charges. Pull them back within your borders until the crisis passes.
Run merchant specialists. You may want to change to Caste System to run as many of these specialists as you can, especially if your cottages are immature or non-existent. Also consider running Mercantilism for a free Merchant in each city, especially if everyone else is running Mercantilism too.
Micromanage your cities. Move citizens from working low-commerce tiles to high-commerce tiles. Plunk them down on cottages in particular.
Get rid of a city or two. If you have a city that is distant from your capital, it's probably costing way more in maintenance than whatever it's giving back. If it's also contending with foreign cultural borders, try gifting the city to the closest civ. Additional benefits: you'll probably earn a diplomatic bonus and won't have to garrison the city. Once you recover, you can always capture it again.
Meanwhile, follow the other steps outlined in the previous posts to improve your economy. Get Code of Laws and build Courthouses and, eventually, the Forbidden Palace to reduce your maintenance costs. Research Currency for Marketplaces soon afterwards. Lay down cottages and work them. Build commerce multipliers in your cities. If you have a holy city, generate a Great Prophet to build its shrine while spreading the faith to your own cities and foreign ones. Shrines bring in 1 gold per city with its faith.
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