debt snowball

What Happened When I Finally Sat Down and Wrote Out All My Debt

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list writing notebook scaled

I avoided writing down the full number for almost two years. Not because I didn’t know money was tight. I knew. I just had a habit of treating each debt as its own separate thing. The credit card was one problem, the personal loan was another, and the medical bill I’d been ignoring was a … Read more

Debt Snowball vs Avalanche: I Tried Both Methods (Here’s Which One Worked)

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structured debt payment plan illustration

Previously, I possessed $8,700 in credit card debt divided over four accounts. Every article I read indicated following the avalanche method as the most appropriate approach, leading one to pay off the highest interest card initially, and so on. So I attempted that method for four months. While I may have received some satisfaction that … Read more