Many formulas exist to define an OK proportion of debt to revenue. But these change such a lot that many have small meaning. For example, some economic gurus feel that a family may comfortably allocate 30 p.c of gross revenue to pay for shelter. This is for mortgage payments or rent. However, this formula won't be feasible for the very poor thus, are regularly too obscure. The whole problem of debt control is better considered on a personal level.