<prompt> Human: I am familiar with concepts like setting 10 of monthly income aside for saving, pay off credit card balances, and establishing an emergency fund, but what are some other tips when it comes to budgeting? Are there any rules or suggestions about how to allocate your income toward specific debts? Genuinely curious about what others think and are doing and what works.  <response>: There are no hard or fast rules, except spend less than you earn.Percentages are going to vary wildly from person to person. Some who have no debt can afford to save more of their income, for example.Use a site like unbury.me to determine which debts you should be paying off faster than others. 