Motivation Monday: Baby Step 2- the debt snowball

Are you tired of having debt? I want to encourage and motivate you to get rid of your debt, pay it off as fast as you can, and never look back!

To start working the debt snowball you list out all of your debts from smallest to largest, excluding your mortgage. You start out making the minimum payment on all of your debts, except for the smallest one. You want to scrape up all of the extra cash that you can find, and throw it at the smallest debt, then once you pay off that first debt, you roll all of the money that you were throwing at the smallest debt and put it into your second smallest debt. Then once you have that one payed off you roll all of that extra money into your third debt, and so on and so forth.

The debt snowball works because it’s all about  behavior modification and not math. I don’t know about you, but math and I have never gotten along. Haha. When you pay off the smallest debt first, you see progress fast! Then the second debt will soon follow, and you will really start to see the plan working.










By the time you pay off your third debt, you’ll really start building momentum, and you’ll be throwing hundreds of dollars extra at your bigger debts and really start feeling empowered to live a debt free life.

Another great thing is if you took on a part time job or side hustle to build your starter emergency fund, you can throw all of the extra money from that at paying off your debt faster.

Holding onto debt means you keep paying for things in the past. Make it a goal to pay off your debt as fast as you can! Once you’ve paid off all of your debt, you’ll feel free! You won’t have anything dragging you down and you won’t have to worry about ever missing a payment on anything again.

You can take control of your life and you can create the life you want! I believe in you!



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