@daveramsey: If you’re making payments every month but your debt barely seems to move, you don’t need a more complicated plan. You need momentum.   That’s exactly why the debt snowball works.   List your debts from smallest to largest, regardless of interest rate. Pay minimum payments on everything except the smallest debt, then attack that one with every dollar you can find.   When it’s gone, roll that payment into the next debt. Then the next. Every debt you pay off gives you more money, more momentum and more hope.   That’s Baby Step 2.   You don’t casually wander out of debt. You have to get focused, make sacrifices and do whatever it takes to take back control of your money and your life. #debtsnowball #debtpayoff #debtfree #debtfreecommunity