Monday, September 26, 2011

How to Use the Snowball Method to Pay Down Your Debt

Have you ever made a snowman? Those of you who have had no joy - it is lots of fun! Here's how it works.

First, you grab a handful of ice and roll into a ball. Then you put on the ground. Roll it around so much snow sticks. As you do this it keeps getting bigger. Larger. Until it is big enough for the base of the snowman. Then you do it all again and make the body. You pick it up and put it on top of bedrock. Then do it again, and make you head. Put it all together and you have an awesome snowman!

Okay, a snowman in the world for what to do with credit card debt?

Everything. Look, to get rid of debt snowball plan to build a snowman is a lot like the snowball plan. You start with the smallest balance and pay it off first. You can only make minimum payments, but you add any extra money you can afford. For all your other cards, make minimum payments on all of them are for now. Even if you can only add an extra $ 10 or $ 25, that is exactly what you have to help. Even the smallest amount that works with the snowball method. Just like the small amount of extra ice to a snowman can turn a small ball of ice.

Then once you pay the first debt, you take the full amount and add it to the next largest debt. See what's going on? After you pay just one loan on your next loan payment is too large, you can start making a big dent in your balance. Just for your snowman and add more ice makes it great is very quick.



Unfortunately, you live in a place with lots of ice in order to make a snowman. But the debt snowball method can work for anyone. You just started to need motivation, and commitment to keep doing it. And the next thing you know, your loan will melt away like a snowman in Florida!




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