Question 1

Snowball vs avalanche

Accepted Answer

Both methods pay every minimum and throw a fixed extra at one debt at a time. Snowball targets the smallest balance first for fast, motivating wins; avalanche targets the highest interest rate first, which is mathematically the cheapest. The right one is the one you’ll actually stick to.

Question 2

Why the extra payment is everything

Accepted Answer

Paying only minimums on high-rate debt can take years and cost a fortune in interest. The extra amount — funneled to one debt and then rolled onto the next as each clears — is what turns years into months. Even a small, consistent extra changes the picture dramatically.

Question 3

When the maths and the motivation disagree

Accepted Answer

Avalanche usually saves the most interest, but the difference is often small when balances are similar. If quick wins keep you going, snowball’s slightly higher cost can be worth it — actually finishing beats optimising on paper.

Question 4

A worked example: $15,000 across three debts

Accepted Answer

Say you owe $2,000 at 24%, $5,000 at 12%, and $8,000 at 7%, with $400 a month spare above the minimums. Avalanche attacks the 24% card first and costs the least interest overall. Snowball clears the $2,000 first — a whole debt gone in about five months — which many people find motivating enough to keep going. When the gap between the two is small, often only a few hundred dollars across the whole payoff, the method you’ll actually stick with beats the optimal one you abandon.

Question 5

Common mistakes

Accepted Answer

Taking on new debt while paying off the old; ignoring the interest rate and just attacking the biggest balance; and keeping no emergency buffer, so a surprise expense pushes you straight back onto the cards.

借金返済シミュレーター — 雪だるま式 vs 雪崩式

雪だるま式 vs 雪崩式

なぜ追加返済がすべてなのか

数学と動機が食い違うとき

よくある間違い

できないこと

雪だるま式 vs 雪崩式

なぜ追加返済がすべてなのか

数学と動機が食い違うとき

よくある間違い

できないこと

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