When you were a kid rolling a snowball in the backyard, the best way to do it was to pack some snow into a tight ball, then start rolling it through the yard. Your snowball would become a snow boulder much quicker than it would if you just built it up by hand. That’s exactly how the debt snowball method works. Click on the link to read the rest of the story. And yes is does work. We know, we are doing it. We are not there yet but we are going to be debt free soon.