The snowball method worked for me and my family. We were over 30 years old with good paychecks and jobs, but still somehow living paycheck to paycheck. Nothing ever got saved, we owed on two cars, school loan, and a bunch of unsecured credit card debt.
Snowballed worked for us. Something about getting aggressive and paying one all the way off - that feeling of winning - got exciting. So it was easier to go after the next one, and the one after that.
Pretty soon, we were out of debt and started to slowly build our nest egg.
I’m not a church kind of guy, but Dave Ramsey’s financial peace university was worth every penny. Just ignore the preachiness if that’s not your think.