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Snowball method pays smallest debt first (psychological motivation) while minimum-paying others, used for behavioral motivation.
Hướng dẫn từng bước
- 1Input debts ordered by balance smallest-largest
- 2Pay smallest first, roll savings into next
- 3Show total payoff timeline
Ví dụ có lời giải
đầu vào
5 debts from $1,000 to $50,000
Kết quả
Payoff smallest in 2 months, gain momentum for larger debts
Motivational approach
Lỗi thường gặp cần tránh
- ✕Neglecting behavior change required for consistency
- ✕Not combining with income increase
Câu hỏi thường gặp
Is snowball financially optimal?
No, avalanche saves more, but snowball provides psychological benefits.
Sẵn sàng để tính toán? Dùng thử Máy tính Debt Snowball miễn phí
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