Good for you for attempting to tackle your debt! I've done the DR program, and believe me, it does work.

I'm assuming you have your initial $1000 in savings built up? If not, do this first.

I would then take a look at the interest rate and the principal balance on each of your debts. Dave recommends starting to pay the smallest balance first, and then snowball those payments into each suceessive debt. Some people recommend tackling the debt with the highest percentage rate (slightly more bang for your buck that way,) but it may be harder to stay motivated that way.

One website that I used a lot was this one debit-free.us/2010/06/11/bad-help-to-consolidate-your-debt-credit/ to help me decide on which debt to tackle. It will let you amoritze it either according to interest rate or smallest to largest balance. Play with the numbers a bit and see what you're most comfortable with.

Hope this helps.

I just cleared almost all of my debt. The main way I achieved this is to focus all of my efforts of paying down the debt. I think what kept me on track the most was I did a review of my finances every two weeks. It only took a quick look/review to keep me on track.

The debt may be categorized into mortgages.