Snowball Effect

I was just browsing along online, and found Dave Ramsey's website. I'm sure many of you have already visited there (http://www.daveramsey.com/), but it's chock full of helpful money tidbits and tools. He mentions in specific a debt management tool called the debt snowball effect (I've linked the article here: http://www.daveramsey.com/the_truth_about/debt_reduction_3606.html.cfm ) that basically teaches you to pay your smallest debt back first, so you can build momentum and be encouraged. This is a little different than what I've always heard about paying highest interest first, but psychologically, it makes sense. Anyway, check it out. Some good food for thought!