DEBT MOM WANTS TO KNOW: ARE YOU STUCK TRYING TO PICK THE “PERFECT” WAY TO PAY OFF DEBT… ENDING UP DOING NOTHING?

Let’s fix that right now.

Because here’s the truth:
The best way to pay off debt is to choose a method you’ll actually stick with.

• Not the one that looks the smartest on paper.
• Not the one someone on the internet told you is “mathematically correct”.
• Not the one that worked (or didn’t work) for your friend who’s also in debt.

You want the one that motivates you and keeps you moving forward.

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First, What Are These Methods?

The Debt Snowball Method

This one is simple:

• List all your debts from smallest to largest balance
• Make the minimum monthly payments on each debt
• Throw every extra dollar at the smallest debt balance first
• Once it’s gone, roll that payment into the next smallest balance

With this method you build momentum fast, like a snowball rolling downhill.

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The Debt Avalanche Method

This one focuses on interest:

• List all your debts from highest interest rate to lowest
• Make the minimum monthly payment on each debt
• Put extra money toward the highest interest debt first

This method will save you the most money in interest over time.

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So… Which One Is Better?

Here’s where I’m going to be real with you. The math doesn’t lie.
If you were perfectly disciplined and never got discouraged…
Avalanche wins. Every time. Mathematically speaking of course, but to be honest, you know that’s not how real life works.

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Let’s Talk Real Life

Most people don’t fail at paying off their debt simply because they picked the wrong method. That would be too easy.

They fail because:

• They don’t see progress fast enough
• They get overwhelmed
• They lose motivation and stop

That’s where the snowball method shines!

Paying off that first small debt? That feels like a win! And those small wins, especially in the beginning, matter a lot more than people like to admit.

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Debt Mom’s Real-World MOM Advice

If you’re feeling:

• Overwhelmed
• Stressed
• Like your debt is “a mess”

Then start with the snowball method.

If you’re:

• Very disciplined
• Motivated by numbers and the bottom line
• Focused on saving the most money

You should use the avalanche method.

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Or… Do This Instead (Which happens to be my favorite option.)

You don’t have to follow either method perfectly.

You can personalize your strategy. Create your own game plan.

• Knock out 1–2 small debts first. Get a quick win or two.
• Then switch to highest interest, and focus on that.

That’s how real people actually succeed.

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Bottom Line

This isn’t about being perfect. It’s about getting out of debt, and creating good habits. It’s about staying accountable and not get discouraged.

So it’s simple, pick one. You can start today, right now. And remember it’s ok to adjust as you go. Just don’t sit there stuck trying to pick the “best” method while your interest keeps growing by the day.

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DEBT MOM WANTS TO KNOW: WHICH ONE ARE YOU GOING TO START
SNOWBALL OR AVALANCHE?

Drop it in the comments