All I had to do was read the first couple paragraphs to know you are on the right track. Dave Ramsey, on one of his radio broadcasts where he gives great tips on budgeting and other financial advice would applaud you. He looks at the Debt Snowball and debt elimination in general as not only about math, but also about emotions. He said that the small victories you win by paying off the lower balance debts will motivate you to keep moving towards your goals and finding more ways to accelerate the process.

Good Luck,

Guy