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1. Pay Off One Debt at a Time
Have you ever tried juggling five things at once and dropped them all?
That’s exactly what happens when you try to tackle all your debts together.
The debt snowball method is like focusing on one basketball hoop instead of five. You start with your smallest debt first.
You pay minimums on the rest, then throw every spare dollar at that little one until it’s gone.
Once that first balance disappears, you’ll feel like a financial superhero ready to crush the next one.
👉 Here's How You'll Do It: List your debts from smallest to largest and focus on paying off the first one using a free tracker like Undebt.it.
📌 SAVE IT FOR LATER! 📌
2. Cut a Few Monthly Expenses and Redirect Them Toward Debt
You’d be shocked at how many small leaks sink a big ship. Yeah, I’m talking about subscriptions you forgot existed.
A few bucks for streaming, delivery apps, or random memberships can quietly eat your wallet alive.
Cancel what you don’t need, and that cash becomes your secret weapon for your debt snowball.
Even $20 here and $15 there can speed things up faster than you think.
You’re not “depriving” yourself. You’re redirecting money to the version of you that’s debt-free and smiling in a beach chair somewhere.
👉 Here's How You'll Do It: Use Rocket Money or Mint to find unused subscriptions, cancel them, and set up auto-transfers toward your smallest debt instead.
3. Use Side Hustle Income to Boost Payments
Imagine your side hustle as the turbo button on your debt snowball. It speeds everything up.
Whether you’re driving for DoorDash, flipping stuff online, or freelancing after work, that extra income goes straight to debt payoff.
Don’t even let it touch your checking account. Pretend it doesn’t exist for spending.
You’ll knock out debt months (even years) faster while keeping your main income for regular expenses.
And the best part? Watching your debt shrink feels better than payday.
👉 Here's How You'll Do It: Open a separate free online account at Chime or SoFi to stash side hustle income, then use it to make extra payments on your current target debt.
Bonus Tip: Keep Track of Your Wins Like a Pro
Okay, real talk. Nothing keeps you more fired up than seeing your debt melt away in real time.
It’s like tracking your workouts and watching the numbers drop, except this time it’s your balance doing the disappearing act.
You don’t need spreadsheets or complicated formulas, either. There’s a free tool called Undebt.it that does all the heavy lifting for you.
You plug in your debts, pick your payoff method (hello, snowball), and it shows you exactly when you’ll be debt-free.
Seeing that date pop up on your screen? That’s motivation on another level. Thousands of people use it to stay consistent, and it works because progress feels addictive when you can see it.
👉 Here's How You'll Do It: Go to Undebt.it, add your debts, choose the debt snowball option, and watch your real payoff timeline appear. It’s the easiest way to stay pumped and on track.
4. Make Weekly Payments Instead of Monthly
You know what feels good? Seeing your balance drop more often.
When you pay weekly instead of monthly, your interest has less time to grow. And your motivation skyrockets.
It’s like watching your abs come in faster at the gym. Small progress, but you see it.
You’ll make 52 “mini-payments” a year, which usually equals one full extra payment without you even noticing.
It’s sneaky-smart math that works in your favor.
👉 Here's How You'll Do It: Split your monthly payment by four and set up automatic weekly payments using your bank’s bill pay feature or apps like Prism.
5. Make Payments Automatic
If remembering due dates feels like juggling fire, automation is your best friend.
You remove the human error (and temptation to skip) by setting it and forgetting it.
Automatic payments make sure you never miss a beat or a due date.
It’s the easiest way to keep your debt snowball rolling smoothly without second-guessing.
Plus, seeing your balance fall on autopilot? That’s pure dopamine.
👉 Here's How You'll Do It: Set up autopay for all debts through your bank’s online portal, ensuring at least the minimum hits every month, and your snowball target gets extra.
📌 SAVE IT FOR LATER! 📌
And that’s it!
Never forget it…
🍔 A Bigger Bank Account Is Waiting For You!
😉 Dale!
