In the debt roll-up strategy you order your debts with the smallest balance at the top of the list and the largest balance at the bottom of the list. Let's say you have three credit cards with the following balances:

1. Credit Card A balance 10000.00
2. Credit Card B balance 2200.00
3. Credit Card C balance 5000.00

You order your debts with the smallest balances at the top of the list like this:

1. Credit Card B balance 2200.00
2. Credit Card C balance 5000.00
3. Credit Card A balance 10000.00

You now make the minimum monthly payments on Credit Card C and Credit Card A. You look for ways to cut back expenses and apply any extra money towards Credit Card B. So for Credit Card B you are paying not only the monthly minimum but you are also paying extra to accelerate paying this Credit Card off. Once Credit Card B is payed off, you take the entire monthly amount you were paying to Credit Card B and start applying this payment to Credit Card C. Once Credit Card C is payed off you take the monthly amount that you were paying towards Credit Card B and Credit Card C making a larger monthly payment to Credit Card A.  This debt payoff strategy is also known as the Debt Snowball.

There are two schools of thought for the Debt Roll-Up method:

1. Put the smallest balance at the top of the list
2. Put the balance with the highest interest rate at the top of the list

I recommend putting the smallest balance at the top of the list. With this method you will see results faster. You will build and exciting momentum in which you are actually eliminating your debts one at a time. It will feel so good when the first credit card is payed off, you will get a real great feeling from this and are more likely to stick with the plan. Putting the highest interest rate balance at the top of the list will take longer to see results. It would be like being on a diet but not losing any weight for the first year. There is a bigger chance of getting disappointed and not sticking with the plan.