Linda Chavey writes about how to change your lifestyle habits in order to eliminate debt.
The pie chart (see attached link) will help with percentages. Knowing what percentage a household should actually be spending on a particular category is very helpful. I have the USAA pie chart from the USAA magazine on my refrigerator. https://www.usaa.com/inet/ent_blogs/Blogs?action=blogpost&blogkey=financialadviceblog&postkey=what_does_your_budget_pie