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    dining with friends, movies, and cable. You should be extra cautious with allocating your funds. The most import
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    Debt consolidation budgets help persons recover from excess debt. You have to follow certain guidelines in preparing a debt consolidation budget. First, consider what percentage of your housing loan will occupy your take home pay. You may allocate 30% on housing, which may include repairs, power, phone, and water utilities. You have to set aside 20% for food, 10% for medical, 5% for clothing, and 15% for entertainment that may include smoking, dining with friends, movies, and cable. You should be extra cautious with allocating your funds. The most import
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    ring a debt consolidation budget. First, consider what percentage of your housing loan will occupy your take home pay. You may allocate 30% on housing, which may include repairs, power, phone, and water utilities. You have to set aside 20% for food, 10% for medical, 5% for clothing, and 15% for entertainment that may include smoking, dining with friends, movies, and cable. You should be extra cautious with allocating your funds. The most import
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    e pay. You may allocate 30% on housing, which may include repairs, power, phone, and water utilities. You have to set aside 20% for food, 10% for medical, 5% for clothing, and 15% for entertainment that may include smoking, dining with friends, movies, and cable. You should be extra cautious with allocating your funds. The most import
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    o set aside 20% for food, 10% for medical, 5% for clothing, and 15% for entertainment that may include smoking, dining with friends, movies, and cable. You should be extra cautious with allocating your funds. The most import
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    dining with friends, movies, and cable. You should be extra cautious with allocating your funds. The most important part of your plan is, of course, savings and investments.

    Now you are ready to start preparing a new debt consolidation budget. Most debt consolidation budgets fail, because people start off without first tracking their expenses. Very often people begin with making impossible debt consolidation budgets to stick to, and in the end they start complaining that their budget doesn't work. It is always advisable to keep a realistic approach

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