Snowflake Your Way Out of Debt

by Julie on May 19, 2008 · 5 comments

If you have been hanging around personal finance blogs for a while, you have no doubt heard of Dave Ramsey’s Debt Snowball method of debt elimination. What you may not have heard of, however, is Snowflaking as a debt reduction tactic.

I first heard of Snowflaking at I’ve Paid for This Twice Already. And while she’s written a wonderful primer on the subject, basically it boils down to taking small amounts of money (snowflakes) and applying them to your debt snowball.

Paid Twice says it best:

Many small snowflakes make a snowball, and no amount is too small for me to snowflake.

Snowflaking, it would seem, has certainly caught on. Paid Twice currently has over 136 comments and trackbacks to her primer post. It’s created such interest, in fact, that there is now a Snowflake Revolution page and a Carnival of Snowflaking.

If you’re currently working at paying off debt, I encourage you to take a look at Snowflaking as a means of doing that. It goes a long way toward making you feel in control and can make all those little, every day sacrifices seem more worthwhile.

Edited to add: This post has been submitted to Frugal Fridays at Biblical Womanhood Online. Visit Crystal’s blog for more great frugal tips.

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{ 4 comments… read them below or add one }

Andrea May 23, 2008 at 5:30 pm

Thanks for the post! I have heard about snowflaking so many places and knew it had something to do with Dave Ramsey’s snowball, but never had someone write a clear discussion on it! Thanks again. I am now going to join the snowflake revolution!!


April May 23, 2008 at 6:29 pm

Thanks for the info. I keep seeing “snowflaking” around the blog world and now i’m curious enough to look into it.


Abundantly Blessed May 23, 2008 at 6:33 pm

I am also snowflaking and have been posting about it! Thanks for the info about the source of this idea, and the fun carnival links.

See my experiments here:


Alexandra May 28, 2008 at 3:03 am

We do this with our mortgage…it really works! It adds up, and you never miss it. Great information to share! :)


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