Divide your debt into two categories: 1) Permanent (utilities, taxes, insurance, etc). 2) Temporary (payments, loans, cards, etc). Create a separate fund for permanent and be done with it. You can do things as well to lower your monthly expenses. Conserve energy, for example. Take your temporary debts and list them for lowest balance to highest. 1) Take your lowest balance. Example: $230 credit card bill. Pay it off first. As much as you can afford until it is paid off. 2) Go to your next lowest and repeat. 3) Meanwhile, pay ONLY the minimum allowed on the other bills UNTIL you get the first paid off, then second, then third ...etc. Repeat that process and find yourself able to breathe a little better. My wife and I paid our house off this year. It was a wonderful experience. This works if you seriously apply it.