I have a rule called 50-20-30 Debt savings and power pay down...
I re budgeted everything and found out I was way over debt.. after working hard on power paying bills I was able to fit into this percentage rules..
50% Must haves- rent, insurance, gas, food, your things on what you need to live off of
20% savings- Paying down debt
30% wants- cell phone, cable bills, subscriptions ect. Things you want but can live without
Power paying, you will take your smallest bill and pay it off .. you use that amount then pay that down. roll those payments over to the next bill and so forth.. also line them up to the highest interest rates to balances..
By doing these rules I was able to be debt free in 5 years.