Well, the problem is that she doesn't explain in her post how she decides on the next goals. Is it just writing down the next milestones expected in each account? Or is it where extra re-payments are being focused once all minimum payments have been made? She just doesn't say in this post... Maybe she's explained it in a previous post? I'm not sure because I only read sporadically. There may be a method, though. In any case, it does seem like she's realized her debt is an emergency, she's treating it accordingly and is making good progress. So, there is lots of positive there, regardless of the methodology (or lack thereof) she's using.