Ano ang Debt Snowball Method?

Ang Debt Snowball Method ay isang strategy para mabayaran ang utang step-by-step — at ang focus nito ay momentum at motivation.

Paano ito gumagana:

  1. Ilista lahat ng utang mo, kahit magkano, kahit kanino.

  2. I-rank mo sila mula sa pinakamaliit hanggang sa pinakamalaki, hindi base sa interest rate ha — base sa total amount ng utang.

  3. Bayaran mo muna yung pinakamaliit na utang, habang minimum lang muna sa lahat ng iba.

  4. Kapag bayad na yung una, ilagay mo yung dating pambayad niya sa susunod na utang, then repeat.

  5. Tuloy-tuloy hanggang mabura lahat ng utang.

Example:


    • Step 1: Focus ka kay ₱5,000. Let’s say you can pay ₱2,000/month. After 3 months, bayad na siya.
    • Step 2: Yung ₱2,000 mo + ₱800 ng Loan B = ₱2,800/month sa Loan B. Mas mabilis mababayaran.

Ganun ka nagbu-build ng momentum. Mabilis ang progress, kaya motivated kang magpatuloy.


This is Best For:

  • Yung gusto ng mabilis na wins para hindi mawalan ng gana.

  • Yung hindi numbers person—emotionally driven.


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