When bills stack up, one question looms large: Which balances and debts should you try paying off first, and which ones can wait?

Without strategy, juggling multiple debts can lead to late fees, higher interest rates and mounting stress. But with clear direction and a little patience, individuals can take small steps now that build financial stability over time.

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“There is no one-size-fits-all approach to paying off debt, and personal circumstances play a big role in determining your path,” said Manuel Salazar, CEO of Take Charge America, a national nonprofit credit counseling and debt management agency . “General principles like staying consistent, saving smarter and proactively communicating, however, can

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