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how to use the debt snowball to get out of debt

How To Use The Debt Snowball Method to Crush Your Debt

  • Pay Off Debt
  • 424 Comments
  • by Emily

Learn how to make a debt-free plan that really works.

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Hey, I'm Emily!

Hey, I'm Emily!

I'm the founder of Pretty Arrow and a budget coach. After paying off $35k of debt in 3 years, I show others how to make a budget that's both fun AND focused- so they can crush their goals, too ❤️ I can't wait to help you start a new budget that EXCITES you!


Learn more here!
 

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© PRETTY ARROW™ 2022 | This website is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com.
⚡️SPREADSHEETS THAT SELL NOW OPEN FOR ENROLMEN ⚡️SPREADSHEETS THAT SELL NOW OPEN FOR ENROLMENT!⚡️ For the first time EVER, you can learn how to make money from spreadsheets on Etsy (and beyond)! I haven't seen anyone else teach how to sell spreadsheets on Etsy yet, so I'm REALLY excited to be able to share my methods with you 🤩 This is a 6 week course that you can take at your own pace. You will have lifetime access, and access to ongoing updates (we will be continually updating it and adding new lessons) ​You'll get access to 45 lessons (video lessons & text lessons), worksheets, tons of pre-made marketing templates, and over $600 worth of PLR spreadsheets for you to resell now 🤯🤯 The doors are open until midnight EST on February 7th! Click the link in the bio to enrol now 🥳
I try not to overwhelm myself with money goals, so I try not to overwhelm myself with money goals, so I prefer to have just one mini monthly goal at a time 😌 I also REALLY need to finish my home office (we moved to this house last year LOL). This mirror/shelf/plant is currently in my bedroom, but I wouldn’t mind similar vibes in my office too🧘‍♀️🌿 what are you working on in September?!
📍SAVE FOR LATER! Happy September budgeting 🥰 📍SAVE FOR LATER! Happy September budgeting 🥰
📍REMINDER- September is around the corner… do 📍REMINDER- September is around the corner… don’t forget to budget for it! ✨ enter your September paydays in your calendar ✨ enter all of your bills for September in your phone calendar with a reminder ✨ track! your! spending! by setting a weekly reminder in your calendar ✨ make room for contributions to savings. Start by saving your emergency fund if you don’t have savings yet ✨ plan to make one extra payment on your debt in September Have you budgeted for September, yay or nay? 🤔 PS. all of my budget templates are buy 3 get 30% off for the rest of August 😍 now’s your time to start! Link in bio ❤️
📍SAVE FOR LATER ⭐️ one of the ways I crea 📍SAVE FOR LATER ⭐️ one of the ways I created a budgeting habit that finally stuck was by being able to access- and update!!- my plan anywhere. ⭐️I use Google Sheets to make my budget (this doesn’t need to be complicated, it can even just add up your income in one column and your expenses in a second column). I usually update it on my laptop, but I can quickly update it on my phone too as I spend money and need to track it. ⭐️I have lots of budget templates for Google Sheets and Excel all ready to go for you at the link in my bio! All you need to do is follow along and you’ll have a budget that checks all the boxes you need it to!
I love doing what I LOVE ❤️ feels like a dream I love doing what I LOVE ❤️ feels like a dream!!! 😭 starting to budget changed so much for me- with the biggest impact being it got me out of debt way faster than I ever thought possible (paid off my student loans before I turned 30!). It’s so cool to help others do the same 😍
❤️join now if you wanna LOVE your budget! ❤️join now if you wanna LOVE your budget!
📌 SAVE FOR LATER! What else would you add to 📌 SAVE FOR LATER! What else would you add to this list? ✨
And I started with my emergency fund! When I was And I started with my emergency fund! When I was just saving money for anything and everything, I really didn’t have a reason to keep money in savings. It was EASY to just take money out for something else. Once I focused on saving up for my first emergency fund- $1000- I wanted to see that $1000 in there so badly, I thought twice before withdrawing funds! By focusing on just one goal for my savings at a time, I was much less overwhelmed and felt like I could stick to it 🥳 ✨What helps you to keep money in your savings? Let me know what you do!
For the first time ever, I want to try using cash For the first time ever, I want to try using cash envelopes to stay in better control of my spending 🤔 I’m still a digital girl, though, so I’ll be tracking them in a spreadsheet 😂 I’ve been focusing hard on saving up for my first home, and I wanna keep a better eye on my spending! I dunno about you, but my spending has felt a little out of control this summer. Which is fine- I’m all about enjoying my money!- but I’m super excited to save up for a home 🏡 (I’m 29 and would like to have a down payment before I’m 35) Before I try, I wanna know… Do you use cash envelopes? Why do they work for you? Or if you don’t like them…why not? PS. If you have any recommendations for a cash envelope seller, tag them below- I’d love to support them ❤️