Ano ang Debt Avalanche?

Ano ang Debt Avalanche? 

Ito yung strategy kung saan uunahin mong bayaran yung utang na may pinakamataas na interest rate— kahit gaano pa ito kalaki.


Hindi siya pang-“feels” ha? Pang-math siya. Kaya mind over matter tayo.

Kung gusto mo makatipid ng pinakamalaking amount sa interest, ito ang way to go.


Paano ito ginagawa:

  1. Ilista mo lahat ng utang mo—kasama yung interest rate ha!
  2. I-rank sila from highest interest to lowest.
  3. Todo bayad sa pinakamataas na interest (minimum lang sa iba).
  4. Pag bayad na, lipat yung pambayad sa next highest.
  5. Ulit-ulit hanggang wiped out na lahat.

Example (para mas malinaw):

Kahit mas maliit si Card B, mas mahal si Card A habang tumatagal dahil sa interest. Kaya siya ang dapat na uunahin mo.


Best ito kung…

  1. Gusto mong mas makatipid sa total interest
  2. Kaya mong mag-stick sa plan kahit walang “instant win”
  3. Medyo numbers person ka at okay sayo maghintay basta worth it

Tandaan:

Kung si Snowball ay parang pag-umpisa sa maliliit na hakbang para makabawas sa isipin at makakita ng progress agad,

si Avalanche naman yung pagtutok agad sa pinakamabigat na problema—mahirap sa simula, pero mas mabilis ang ginhawa.

Pareho silang effective.

Depende kung anong way ang gusto mo—kailangan mo ba ng motivation ngayon, o game ka na sa matitinding diskarte para mabilis makaahon?


The Bible says in the book of: 

Romans 13:8 (NLT)

“Owe nothing to anyone—except for your obligation to love one another.”

Perfect reminder ito na ang tunay na goal is not just to pay off debt, but to live free, give freely, and love fully—without financial chains holding us back.

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