Make a list of all your debts and while making the minimum payment on all of them add a little extra to pay off the smallest debt first. Then, shift money to that next smallest debt. Then keep snowballing until all the debts are paid. Now, in blended families it's more complicated. Say one spouse has more debt than the other. The snowball is paying off all their debt. That may not feel fair. So, it's okay to make adjustments to the plan because building trust is your most important investment.