I started with the snowball method in early February, when my wife and I were around 25K in debt (two car loans + a lot of credit cards debt). Next week I will pay off the last 3000 to Am. Express, so we will finally be debt free.
Although many people argues about the optimatillity of Ramsey's method, the main purpose is get out of debt as quick as you can. You may end up paying a bit more in interests, but when cleverness has not helped you in the past to be debt free, is better to go back to basics and follow a simpler strategy. Those small victories, when you are done with each particular debt, really help you to keep going for the ultimate prize.
Pat
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