Thank you SO much for this reply. I’ll add it to my original post.
I’m tired of the whole back-and-forth between “the best method”. It’s like arguing over the best diet or exercise routine.
You’re right, it depends on the nature of your debt. It also depends on the individual (as you’ll see in the back-and-forth I had with another reader on this post).
I prefer avalanche. Someone else will prefer snowball.
Your comment puts it all nicely and everyone is happy. And that spreadsheet is a good link.
P.S. I knew I had seen that method being called “avalanche” somewhere else! Should have known it’s too good for me to have come up with it by myself. I thought I came up with the name. Silly me.