![]() The snowball method is a popular strategy, and downloading one of these debt-snowball spreadsheets can help you reduce your debt. But spreadsheets simplify the task, making it easy for anyone who can use a spreadsheet to make a plan to pay off debt. The other benefit of using a budget is tracking monthly expenses.Coming up with a plan for paying off debt may sound difficult, especially if you don’t have a financial background. If you don’t, you are just digging into a deeper financial hole every month that will get harder and harder to get out of.
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