First, accumulate $1,000 to keep as an emergency fund. This is easier said than done. Should I start selling random items from my house now?! Just kidding.
Second, list your debts in order starting with the smallest balance first. Ignore the interest rates, UNLESS you have two debts with the same-ish balance...then pay the higher interest rate debt first. Paying off the little debts first, gives you instant gratification and you are more likely to stick with the plan.
So, with the snowball you are going to pay minimum payments on all your bills EXCEPT the smallest debt. According to Dave Ramsey, you are going to attack this bill with "gazelle intensity" until it's gone. Then add the minimum payment you were paying on this bill, to the second bill's payment. You do this each time, the purpose being you are adding more onto the next payment to pay off your debt (SNOWBALL...the snowball accumulates more and more snow as it rolls down the hill).
Third, Do whatever you can to remind yourself that you DO NOT want this debt again. Post bills on the fridge. Write down how much you are saving by not paying that minimum payment a month. Whatever you need to do to keep you on track.
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