The average income tax refund — $2,860 for tax year 2015, according to the Internal Revenue Service — could be a big help in staying on top of those bills.
"Paying down debt should be your No. 1 priority," said Odysseas Papadimitriou, chief executive of comparison site WalletHub.com.
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To determine which credit card balance should take priority, make a list of what you owe, detailing balances and interest rates. Then pick a strategy.
Some consumers prefer to focus the highest-rate debt first (aka, the avalanche method); others knock out the smallest balance first (aka the snowball method), said Greg McBride, chief financial analyst at Bankrate.com. The former saves you more in interest, while the latter can free up money in your budget to roll into paying down other debts.