I used to think the snowball method was dumb until I ran the numbers

For two years I was team avalanche because of interest rates, but I finally sat down and listed my 7 debts from smallest to largest. Watching my $350 store card disappear in month one gave me a boost that no spreadsheet could. Has anyone else found that the emotional wins outweigh the math?

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black.jordan3mo ago

Did you set a minimum payment on the others while you hammer the small ones?

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wright.michael3mo ago

I paid off a $200 gym membership that I'd been paying for 18 months without actually going once. That was the debt version of finding a burger in your coat pocket. Emotional wins are real, especially when you're staring at a balance that's bigger than your monthly rent.

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