My wife and I are blessed and are able to live entirely debt free. Unfortunately, I know of few others who live debt free. Do you?
The Dave Ramsey courses seem to be very popular around here. I've also heard his radio show. I agree with some but not all of what he says.
I disagree with the debt snowball method. And obviously, if you could consolidate all your debt into a low-interest loan, that would be best. If not, I would eliminate the highest interest loan first.
I disagree with cutting up all your credit cards (of course, my husband made an excellent living in the credit card industry for twenty years, so I may be biased.) IF you can get to the point where you pay as you go, those cards can make you money. Our favorite card is the Sam's Club MasterCard with Synchrony Bank. 5% rebates on gas, 3% on hotels, airfare, travel, and restaurants, 1% on everything else, and no annual fee. If you do pay as you go, why would you turn down those benefits?
Some things require good credit (and our credit rating is in the 800's.) Children's orthodontia. Unexpected emergencies, like large car or home repairs. An emergency fund is ideal, but if you haven't gotten there yet, are you going to take the bus to work for months while you save for a car repair?
We were over budget on credit for a few years, after a job loss and a new job with a lower salary. We just took one of those balance consolidation loans from a credit card at 2 or 3%, and then put that credit card in a strong box so that no charges would ever appear on that card other than the loan. It took a couple of years, but we are now retired and debt free except for mortgages on two rent houses that are paid for by the tenants.