Debt Snowball
Paying off the smallest debt first for the quick win, then rolling its payment into the next — momentum over maths.
The snowball method ranks debts by balance, smallest first. Clear the little ones fast, feel the wins, and roll each finished payment into the next debt so the "snowball" grows.
It usually costs somewhat more interest than the avalanche method — that is the honest price of momentum. Research on debt repayment suggests the motivational effect is real: people who feel progress keep going. The best method is the one you’ll finish.
Owdyn’s Debt Cockpit lets you pick either strategy and see the projected finish line for each.
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