The stack method is a well-known practice used to resolve debt in the fastest, most efficient way possible. It also helps to have a plan that can be broken down in a way that makes sense.
For few people, budgeting is a practical strategy implemented into daily life to ensure that the money you save will outweigh the money you spent. For the average person, budgeting is an afterthought that has little or no meaning until the credit card statement arrives along with the realization that your wants have outweighed your needs and you have spent more than you saved. Suddenly the money that was originally allocated for priorities i.e. rent, food, health etc. is gone and yet those needs still have to be taken care of. This is where complications arise and we have to look elsewhere to get money.