In his book, The Total Money Makeover, Dave Ramsey recommends a process he calls the debt snowball for paying off your bills. He suggests you list all your debts and then pay as much as you can toward the one with the lowest balance first and when it is paid off, move on to the next smallest bill.
Why the lowest balance first? Because, by starting with the smallest bills you build momentum, just like a snowball that grows and builds speed as it goes downhill. It also creates a pattern of success that motivates you to keep going.
My clients will recognize this idea because I often suggest baby steps when their goals or projects feel too big or overwhelming. Each successfully completed baby step builds confidence and makes the bigger goals feel more achievable.
You can use this snowball idea in many areas of your life:
De-cluttering – start with the smallest area, maybe a drawer, and then move on
Eating healthy – implement one small step each week, like eating vegetables with dinner
Flossing – start by flossing just one tooth and then two and so on. Don’t laugh. It really works.
Exercising – begin with a simple goal, like 10 minutes a day and then build on it
Habits – change or build new habits in a series of weekly mini goals
Quitting Smoking – smoke one less cigarette each day
You get the idea.
The question is, where can you use this snowball strategy in YOUR life? I would love to hear your thoughts and ideas. You can post them in the comments area below.
If you would like the support of an experienced, professional Life Coach in building momentum toward your goals, I would love to talk with you. You can contact me here.