Crush Your Debt the Fun Way: With Snowballs

Paying off debt doesn’t have to be boring. At Jordan Credit Union, we’re all about making smart financial moves that actually feel good—and that includes tackling debt with a proven strategy that keeps you motivated every step of the way.

In a recent Financial Friday segment, our very own Landon Bradfield showed how the Debt Snowball Method works—using marshmallows and spoons to represent different loans and payments. And trust us, it was as fun to watch as it is effective in real life.

What Is the Debt Snowball Method?

The Debt Snowball Method is all about building momentum as you pay off your debts. You start by focusing on your smallest debt first, while still making minimum payments on the others. Once that smallest debt is paid off, you roll that payment into the next smallest, and so on. It’s like a snowball rolling downhill—getting bigger and more powerful as it goes.

Why It Works for You

• Quick Wins Keep You Motivated: Seeing a debt disappear gives you a powerful boost to keep going.
• Saves You Time and Interest: The faster you pay off debts, the less interest you pay in the long run.
• It’s Simple and Doable: No complicated budgeting tools—just a focused, step-by-step plan.
• Encourages Discipline: Instead of spending money when a debt is gone, you roll it into the next payment.
• Visual Progress: Watching your debts disappear is satisfying—and keeps you focused on the goal.

Real Talk: Life Is Expensive—But You’ve Got This

As Landon shared, it does take some willpower to resist the urge to spend once you’ve paid off a debt. But sticking with the plan means you’re setting yourself up for long-term financial freedom, not just short-term fun.

“What starts to happen is you start to see how you’re paying down debt faster… it helps you stay motivated along the way and save interest and time.”

Let’s be real—bills come every month whether we like it or not. But using the Debt Snowball Method puts you back in control of your money.

📺 Watch the full segment here: The Debt Snowball Method with Jordan Credit Union

Ready to get started? Jordan Credit Union is here to help with financial tools and friendly advice tailored to you. Stop by a branch or give us a call—we’ve got your back!