How to Get Out of Debt by Snowflaking

If you're attempting to get out of debt, chances are you've heard of the snowball method where you pay off one debt and add the payment amount to the next debt, and so on and so on. But what if you need a little help getting that snowball to roll? That's where snowflaking comes in!

Instructions

Difficulty: Moderately Easy

1. Identify the first debt that you'd like to pay off.
2. Begin looking for any way you can save or make small amounts of money. Don't worry if they're too small - that's why they're called snowflakes.
3. To come up with snowflakes you can do things to reduce your regular expenses and save the difference. You can also use things like gift money and rebates as snowflakes.
4. When you have a snowflake in hand, throw it at the debt you targeted in Step 1. One way to do this is to make frequent, online payments of snowflake amounts.
5. Continue to find snowflakes wherever your can. The power of this process is repeating it frequently. After a while you will find that it has become addictive and something of a game. That's when you can make it really work for you!
6. Visit snowflakerevolution.com for more information and inspiration!

Tips & Warnings

• If you choose to make frequent payments towards a debt, make sure you will not incur any prepayment fees from the lender or bank fees for using online bill payment.