The 10/20 rule is a great way to stay on track with budgeting and spending money, but debt might be an unexpected curveball. If your debt is more than 10% of your take-home pay, there are several things you can do to help get out of debt faster, such as increasing your income, tracking expenses, and creating a budget that shows how much of your payment goes towards paying down credit cards, student loans or other debts. Creating small goals for reducing the principal balance is also helpful - setting a timeline for when you want it paid off could make all the difference in interest payments and save hundreds of dollars. By getting organized and having a plan of attack for repaying debt faster, you will be well on your way to having good financial security.