Dave Ramsey talks about the debt snowball on his programs all the time. It is easy in the course of life to think that you are somehow different or special in your circumstance and I have done this. But I have learned that using the debt snowball strategy of targeting bills from smallest to largest works. When you focus your resources and look your financial issues square in the face you can make headway and win with money as Dave says. I use two spreadsheets including Ramsey Solutions Every Dollar app and my own Excel spreadsheet and they have helped me focus my money on my goals. I recommend two things to help you develop a financial game plan. 1. Listen to the Dave Ramsey Show on podcast or the radio when you can for motivation. 2. Take some time to study and plan your budget regularly with a tool or two.