Reply #17: I agree with those who say

[BlackVelvet04]

pay off the smallest debt first....do it as quickly as you possibly can. While it actually makes more sense to pay off the highest interest rate loan first, paying off the smallest quickly gives you an emotional jump start. It worked for me.

After paying off the smallest debt go to the highest interest rate debt. Pay as much as you possibly can each month BUT I recommend you give yourself a month every 4 - 6 months where you pay minimum and reward yourself with the difference of the minimum and what you had been paying. We all need a break from scrimping and saving occasionally. Just be sure you go back to paying as much as possible the next month.

The last piece of advise is WRITE YOUR PLAN DOWN. I don't know why it is but putting the plan in writing and tracking your progress every month makes the plan work better. I did that when we knew we wanted to buy a house. I made a plan as to what needed to be done to accomplish that goal and crossed each thing off as it progressed. Withing 18 months we purchased our home and I thought it was going to take 3 years.

I need to take my own advice about writing things down....I have some things I need to accomplish and making a written plan is the best way to do it.