Getting Debt Free

I'm getting more and more determined to get debt free. I've read about creating a "debt snowball" by paying off the lowest balances first and then using the monthly payment from the paid off account to pay off the next lowest balance. It's a sound idea but when you are living with very little discretionary income it can be very difficult.
I just read an interesting article about setting up a personal financial checklist. Since I'm really in tune with lists I think this may help me immensely. Check it out at ChristianPF.