on all of your bills except the one that has the lowest balance.  Throw all of that extra money, plus the minimum payment, at that bill.  Throw everything you can at it.  Dave Ramsey likes to say during this time "...you shouldn't see the inside of a restaurant unless you are working there."  Have a yard sale, sell anything and everything you can and throw it at that bill.  Once you get it paid off, don't take a break, now is not the time to reward yourself -- attack the next highest balance with everything you paid on the last bill PLUS the minimum payment you have been paying this next bill.  Repeat.  Until all of your debt is paid off, eventually you will pay off your mortgage but for now focus on all of your other debt first.  There is an excellent set of online Debt Snowball tools that you can use for free on Dave Ramsey's website just click here. When you are debt free you are less vulnerable, more independent, more self-reliant, and you are no longer a slave to your lenders or your credit score.  This enables you to do other things with your money that you have always wanted to do, like make it grow.  These tools are time proven and, even with a modest income, you will surprise yourself at how quickly you can pay off your debt using this method.  You just have to make it a priority in your life, just as