Start Your Snowball

Grab a piece of paper right now. List every debt: name, balance, minimum payment, and interest rate. Sort by balance, smallest first. Add up your minimum payments, then find any extra cash — cut a subscription, sell something, pick up a side gig. Throw that extra at the smallest debt.

When you make that last payment and the balance hits $0.00, screenshot it. Celebrate it. Then redirect every dollar to the next target. Each debt you crush makes the next one easier, and the timeline gets shorter with every victory.