<prompt> Human: My original post from yesterday can be found here.So it was very hard to keep up with all the comments and replies, but I read through every word you all contributed. It was hard at times as some were telling me to attack credit cards first while others told me to attack the car situation first, but I came up with a plan with my Wife last night.We beat our brains thinking of every single possible expense that comes out throughout the year; haircuts, property taxes, car maintenance, etc. etc. and divided it by 12 to turn it all into one monthly expense. So we have all of that auto-drafting into another account each month, as well as a small 75 amount for savings each month being auto-drafted into our currently empty savings account. I put all my bills on auto-draft and changed one of my credit card monthly payments to double what the minimum monthly payment is. All extra income will go to credit cards. As we pay off credit cards we will continue to compound the payments onto other cards until theyre paid off cant remember if this is snowball or avalanche. As far as the cars go, we will be headed to CarMax this weekend or next to look into selling the lease 569 a month for something far more affordable. We still owe 33k on it and trade-in value is right around 31k. As far as my car goes 450 a month, I still owe 13k and trade-in is right around 10k, so Ill see if we can get something more affordable there, but with being only 2 years until payoff, it might be worth it to throw some extra money at it every month and just grit my teeth until its paid off. So I just wanted to thank everyone who had something constructive to add. You guys really helped and Im very excited to get on track with everything.  <response>: Really great update.The only difference between snowball and avalanche is the order of the cards being paid off. Both methods want you to focus on one debt at a time, pay it off and roll the payment into the next debt.Snowball starts with the lowest balance debts. Avalanche begins with the highest interest rates.Mathematically, avalanche is best, as you pay less over the term and so can pay off debt faster. However, a recent study showed snowball frequently gets better results, because human behavior is governed by motivation and not math, and the incentives from snowball are spread out better, which keeps people motivated.Anyway, both methods are GOOD. Just pick whichever works best for you. 