It might depend on which country you live in but in Australia you can pay extra to get it quicker.
I had to get one a few years back, when i went to get it processes they ticked the 'quick' box (wasn't called that though) and it was a lot more money. (Over $150 more). I chose the cheaper option but it still arrived quick – less than 7 days actually.
Since only the passport office can issue one why don't you ask them, often you can pay extra to speed things up, but you have to have all your documents in order.
Get a list of you major assets that depreciate like a car or TV with the cost to replace. Divide the cost by the number of years that you will have the asset. That amount is what you save each year. Once you have a Sinking Fund, you can avoid debt.
See the link below and read about the Replacement Cost Budgeting.
source:http://guidestravel.info/archives/218