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How can you decrease your personal debt-to-money ratio? Trick takeaways Debt-to-income proportion is your month-to-month debt burden compared to the gross month-to-month income (just before taxes), shown once the a portion. A great debt-to-earnings ratio is less than or comparable to 36%. One financial obligation-to-money proportion more than 43% is recognized as being excessively personal debt. Debt-to-money proportion objectives Now…