From what I understand, your two credit cards have a higher APR than the car. I highly recommend following the Baby Steps and attacking the smallest credit card first. Freeing up that first minimum payment quickly is what gives you momentum to focus on the next debt.
If you choose to follow your own plan and focus on the car, I would make sure your extra payment is getting applied toward principal only. Please do not add extra money to your payment if you have no idea where it's actually going. Sometimes, a bank will take any extra funds and apply that money toward a future month's payment, instead of actually paying down the balance. That will not help your situation.
This is why the Debt Snowball WORKS!
When people say but, but but, attacking the higher interest rate is smarter mathematically, DR would say if you were actually doing the math, you wouldn't even be in debt in the first place.
It is very much psychological and why it's hard to succeed if you're not gazelle intense. I floundered around for years throwing extra money at this and that and frustrated for seeing no progress.
The smallest debt, when viciously attacked, is most easily conquered. Then take the minimum payment from Debt 1, and apply it to Debt 2, in addition to the Debt 2's regular monthly payment. Now the snowball is a little larger. When Debt 2 is done, move on to Debt 3. That is now being attacked with minimum payments that used to go to Debt 1 and Debt 2, and all going to Debt 3, along with Debt 3's minimum payment.
By the time you get to the largest debt, you snowball is an accumulation of ALL monthly payments of all of your debts. So instead of taking tiny nibbles out of that largest debt, your taking huge chomps out every month because your snowball is the biggest it's ever been.
Want to know how big will it be? Add up all of your current monthly minimum payments.
This all has to be mapped out every month and every payday. You don't want to grab money for rent and apply it to debt or you will later come up short.
It requires being very organized and downright anal about watching where your money goes. This is why dh would never be good at this. He has a lot of great qualities but being financially organized is not one of them.
