首くびが回まわらない

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Meanings

1

drowning in debt; up to one's neck in debt

Idiomatic expression meaning one is overwhelmed by debt or financial obligations, unable to manage.

I'm drowning in debt.

ローンが多おおくて首くびが回まわらない状じょう態たいだ。

With so many loans, I'm up to my neck in debt.

2

can't turn one's head

Literal meaning: physically unable to turn one's head, e.g., due to injury or stiffness. Less common than the idiomatic debt sense.

借しゃっ金きん地じ獄ごく sense 1
借金地獄 literally means 'debt hell' and describes being trapped in overwhelming debt, while 首が回らない focuses on the image of being unable to move due to that debt.
火ひの車くるま sense 1
火の車 is an idiom for being in dire financial straits generally, whereas 首が回らない specifically emphasizes being crushed by debt obligations.

懐ふところが暖あたたかいN1sense 1
懐が暖かい means having plenty of money on hand, the opposite financial state from 首が回らない, which means being buried in debt.

首くびが回まわらない
Standard kanji spelling for this idiomatic expression.
首くびがまわらない
Kana spelling of 回らない; used when the kanji is avoided or for emphasis.

The expression literally means 'one's neck won't turn,' metaphorically extended to describe being so burdened by debt that one cannot move freely.