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Resources:The Debt Snowball by Craig Gretchen Available on your Life Group DVD and at oasiscc.ca/resourcesCornerstone Counselling 2046630050 Tosh App (for your cell phone) www.toshl.comSuggested Bible
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01
Gather all your debts: Write down all your debts including credit cards, loans, and any other outstanding balances.
02
Order your debts: Arrange your debts from the smallest to the largest balance.
03
Allocate a monthly budget: Determine the amount of money you can afford to allocate towards paying off your debts each month.
04
Pay minimum payments: Make minimum payments on all of your debts, except for the one with the smallest balance.
05
Focus on the smallest debt: Take the extra money in your budget and apply it towards the smallest debt while continuing to make minimum payments on the other debts.
06
Snowball your payments: Once you have paid off the smallest debt, take the money you were using to pay off that debt and apply it towards the next smallest debt.
07
Repeat the process: Continue to repeat this process until you have paid off all of your debts.

Who needs form debt snowball by?

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Anyone who has multiple debts and wants a clear and effective strategy for paying them off can benefit from using the debt snowball method.
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It can be especially helpful for individuals who struggle with managing their debt and need a structured plan to stay motivated and track their progress.
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The debt snowball form can be used by individuals of any income level and any debt amount, as it focuses on the psychological aspect of debt repayment rather than the financial aspect.
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Form debt snowball is a financial strategy where you pay off your debts from smallest to largest, gaining momentum as each balance is paid off.
Anyone with debt and seeking a method to pay it off more efficiently can utilize the debt snowball method.
To fill out form debt snowball, you list all your debts from smallest to largest, make minimum payments on all debts except the smallest one, and put any extra money toward paying off the smallest debt first.
The purpose of form debt snowball is to help individuals pay off their debts in a way that provides motivation and momentum as they see progress.
On form debt snowball, you must report details of each debt including the balance, interest rate, and minimum payment.
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