We have focussed primarily on household budgets and household expenses. I had mentioned to build debt repayment into your budget to effectively maintain your financial household. Can a complete budget help in the context of debt? YES, it does! Build debt repayment into your target column. Most are aware that a minimum payment is to be made, or a set amount is to be repaid, each month for your credit bills. Income permitting, a comprehensive budget allows you to control not only your minimum payments but also your repayment timeline. We have already discussed that if a payment is built into your Target column, and if your live with your Targets, these amounts will be satisfied. Look at your bills. Take your highest interest bill and build in an accelerated payment. Plan to make a payment over and above your minimum. Your budget can help you get out of debt faster, make it work for you.