2 ideas
List every consumer debt from smallest balance to largest, regardless of interest rate. Pay minimums on all but the smallest, attack that one with every spare dollar, then roll its freed payment into the next. It can cost more interest than paying the highest rate first, but the quick, visible payoffs keep people motivated enough to finish.
Financial tasks are done one at a time in a fixed order: a small starter emergency fund, then all consumer debt except the mortgage, then a full three-to-six-month emergency fund, and only then retirement investing. Cash reserves come first because without them any surprise expense goes straight back onto a credit card and undoes the debt payoff. Doing one step at a time focuses effort instead of spreading it thin.