Here's how to clean your room.
Organize all of the different toys into categories based on the number of pieces. For instance, stuffed animals, dolls, accessories, building blocks, cars, action figures, books, clothes, unmade bed. Pretty overwhelming list. And, some of these items consist of many parts and pieces.
Arrange the toys according to the number of pieces the toy has. There is only one bed so its first on the list. The building blocks/doll accessories contain many small pieces so they are last on the list.
Attack the list by first maintaining the amount of mess from the other items (don't get distracted and begin playing with the other toys). You will feel a sense of accomplishment with each "easy" victory. This will motivate you towards completing the ever-increasingly larger chores. But soon, you will have a clean room again.
Debt is a lot like a messy room. Lots of different types of debt and lots of different amounts and its amazing how fast the debt can grow. Soon the amount seems so large and unfix-able "why even start?" - Right?
Paying off debt is much the same as cleaning your room... enter, the Debt Snowball.
The Debt Snowball is a method of debt management where you organize all of your debts smallest to largest, by amount. While paying the minimum amounts on all debts, you put all of your excess funds into the smallest debt first.
Once the smallest amount of debt is paid off you take the money that was going to it and roll it into the next largest debt. You continue this process of rolling ever-increasing amounts of money into the next largest debt until all the debts are paid off.