If you are in debt and want to avoid bankruptcy, you may be considering working with your budget to start paying down your debts as quickly as you can. How you decide to do this can affect the outcome significantly.
Knowing which debt to pay off first may help you obtain your financial freedom faster. For instance, if you always pay for your necessities first, you'll never have to worry about going without a place to live, finding something to eat or deciding if you can afford utility bills. Always pay your necessities first, since these directly impact your life. Make the minimum payments on these recurring expenses.