Debt Snowball vs. Debt Avalanche: Which Method Feels Easier to Stick With?

If you’ve started looking into debt payoff methods, you’ve probably come across two names over and over again: debt snowball and debt avalanche. 

Everyone seems to have strong opinions about which one is “right.” One financial expert swears by the debt snowball. Another insists the debt avalanche is the only logical choice. Friends, podcasts, YouTube videos, and social media all seem to have different opinions. And instead of feeling motivated, you’re left feeling overwhelmed.

If you’re wondering:

“Can someone just tell me which one will work for me?” You’re in the right place.

The truth is, both methods have helped thousands of people become debt-free. The question isn’t which one is universally better—it’s which one fits you.

Because at the end of the day, the best debt payoff strategy is the one you can stick with when life gets busy, unexpected expenses pop up, and motivation starts to fade.

Let’s walk through both approaches together so you can choose the one that feels right for your personality, your goals, and this season of your life.

How to Pay Off Debt on a Low Income When There’s Barely Anything Left After Bills!

The First 5 Steps to Paying Off Debt When Your Finances Feel Like a Mess

If you’ve been avoiding your bank account, stuffing bills into a drawer, or telling yourself you’ll deal with your debt “later,” you’re not alone.

Debt can feel heavy. It can make you believe you’re bad with money or that you’ll never catch up. The real issue isn’t that you lack discipline or intelligence. It’s that no one ever gave you a simple starting point that doesn’t feel overwhelming.

So instead of trying to fix your entire financial life today, we’re going to slow this down. Not to make it complicated—but to make it doable.

This is a gentle, beginner-friendly debt payoff plan designed for real life, especially for women who are tired, busy, emotionally drained, or just unsure where to begin. 

You don’t need to be good at math, love spreadsheets, or have a perfect budget. You only need a willingness to take one step today.

Let’s take the step together.

Why Your Irregular Income Stresses You Out And How To Budget For It!

I couldn’t figure it out. Why was it so hard for me to create and stick to a budget? I mean besides my undiagnosed ADHD. But then as I started to analyze my paychecks, it finally dawned on me.

My income was irregular. Because I’m hourly, my income fluctuates. Sometimes I get paid for 10 days of work and some days I get paid for 7 (and those are some depressing paychecks let me tell you).

Once I uncovered the reason (or one of the reasons why) it was hard for me to budget then I was like ok, I know other people have the same issue. So what do they do?

Eventually I’ve come up with a plan that works for me and I hope that it will help spark some ideas for you too.

How To Get Your Life Together Spiritually, Mentally, Financially & Physically: Personal Development Edition!

How To Get Your Life Together: Personal Development Edition

Hey Sis, let’s talk.

Have you ever looked at your life and thought, ‘I should be further ahead than I am now?’

Do you feel like everyone else has their lives figured out, except for you?

Do you feel overwhelmed by everything going on in your life?

Do you feel physically, mentally, and emotionally tired? Find it hard to concentrate or focus on a goal?

Trust me. You’re not alone.

Many women share this sentiment, particularly once you hit your late 30s.

But I’m here to assure you: You’re Not Failing — You’re Growing

What you need right now is to keep taking focused steps towards self-improvement.

True faith-based personal growth is achieved by cooperating with God’s work in our lives and gradually becoming all he created us to be.

Walk with me; let’s discover how to get your life together, one God-guided step at a time.

15 Life-Changing Reasons to Walk—Because I Keep Forgetting Why I Should!

15 Reasons to Walk—Because I Keep Forgetting Why I Should!

It’s so frustrating and so ridiculous, but it’s true. Here I am, the one who had at one point lost 50 pounds through walking and I still struggle to do it consistently or even remember why I should do it in the first place.

The ADHD tax strikes again. Here’s the cycle that I fall into, and tell me if you can relate:

I gain weight.

I obsess over finding a solution.

I decide I should walk because that worked so well in the past (even though sometimes walking is boring to me).

I start walking for a few months.

I lose weight.

I get distracted by an infomercial or a YouTube workout video because it looks more “exciting”.

I injure myself doing the “exciting” workout.

I stop working out altogether.

I gain weight.

Repeat cycle. So, to help me remember why I walk for weight loss so I don’t keep getting shiny object syndrome, I’ve compiled a list of all the reasons why walking is so FIRE and why I should never stop doing it.

I hope this list will help you too if you suffer from squirrel brain as well. Oh, and to keep it nice and organized, I’ve divided the list by how walking benefits you physically, mentally/emotionally, spiritually, and one bonus one financially. 

How To Trust God With Your Finances When Your Spending Is Out Of Control!

How To Trust God With Your Finances When Your Spending Is Out Of Control!

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I know it’s hard. I struggle with it myself. But when your finances and spending are out of control, it’s time to let God take the reigns and fix the mess that’s been created.

Messy financial situations like maxxed out credit cards, preforclosing on your house, or debt that is more than your annual salary can make us anxious as we wonder where the money to deal with these situations is likely to come from.

I know this because I’ve been at that point before, I’ve been in debt almost more than my annual salary so I know the pain that comes with it.

However, the Bible reminds us that God cares about us, and if we ask him for grace and wisdom, he will always provide a way. 

When you align your financial habits with God’s guidance, you will experience both peace and provision. Let’s explore how we can strengthen our faith in God’s financial plan for our lives.

How to Build A Bougie Anti-Aging Skincare Routine with Dollar Tree Products!

How to Build An Amazing Anti-Aging Bougie Skincare Routine with Dollar Tree Products

Are you looking to build an anti-aging skin care routine but aren’t sure you can afford it?

If so, I totally understand. I mean, ladies, have you seen the prices at Ulta and Sephora lately?

It’s insane how much beauty products cost now, and even drugstore products are crazy expensive.

What are you supposed to do if you want beautiful skin, but don’t have a lot of money to spend on skin care?

And anti-aging skin care ingredients are extra expensive. Fortunately, that is where Dollar Tree comes in!

I’m not sure you know this, but Dollar Tree skin care and beauty products are all the rage right now.

I was walking through Dollar Tree and noticed just how fire their skin care options had become.

So while I was there, I created a quick little anti-aging skincare regimen that almost anyone could afford! 

Dollar Tree has amazing skin care products for an amazing price.

Today, I’m going to share with you how to build an anti-aging skin care routine using only Dollar Tree products.

And these aren’t skin care products with sketch ingredients. Believe it or not these actually have anti-aging  ingredient that are recommended by dermatologists.

I’ll tell you which products I recommend and I will also share what ingredients to look for in the products in case you can’t find the ones I recommend here. So without further I do well let’s get started.

The first one will cover some important details about collagen.

15 Ways to Tame Out-of-Control Spending When You Have ADHD!

15 Ways to Tame Out-of-Control Spending When You Have ADHD

I know how much of a struggle it can be to manage your money when you have ADHD (diagnosed or undiagnosed, which is what I am).

You try to create and stick to a budget, but by the time you’ve closed the browser on your Google Sheet, you’ve already forgotten you created it.

And saving money? Yeah right… as if there was money left over at the end of the month to save. And paying bills on time is a nice thought, but who can remember to do it?

While I’m not by any means perfect (I mean, I just forgot to pay a bill a few months ago), I have come up with some super-easy and practical tips to help make you the boss of your money and not the other way around.

It’s time to tell our money where it should go and what it should do. The beauty of money is that it listens to you and does what you tell it to do.

You just have to know what to say to it, so that’s what we’re going to explore today.

17 Super Simple 5-Minute Self-Care Ideas For Busy Women With No Energy!

5-Minute Self-Care Ideas: Quick and Easy Ways to Boost Your Well-Being

Imagine sliding into a warm delicious-smelling bubble bath after a long day at work. Or curling up on the couch with your favorite mystery as you try to figure out whodunit.

But let’s be real, when you’re a busy woman working full time you don’t feel like you have time for self-care of any kind.

And I feel like the older I get the more I feel guilty for wanting to do anything I consider to be fun or not productive.

Being over 35 is a trip ain’t it? But the thing is, you shouldn’t feel guilty for “indulging “ in self-care or even feel like you don’t have time.

It can be especially hard to take care of yourself if you are struggling with depression or anxiety (or ADHD) like I have had in the past. The guilt is extra real then. Continue reading