Don’t use the snowball or avalanche until you do this! If you’ve been trying to pay off debt but keep stumbling, this is for you. The truth is, most people start in the wrong place.

They try to pay off debt before they fix it.
That’s like trying to run a marathon with a backpack full of bricks. It’s way harder than it needs to be. Most people give up before they ever hit the finish line.

Before you dive into Snowball or Avalanche, do this one thing first. reposition or consolidate your debt.
This simple move can make your plan easier, faster, and even more motivating.

1. Win First and Create Momentum

Debt is heavy, emotionally, mentally, and financially.
Trying to chip away at high-cost debt one piece at a time wears you down.

That’s why rearranging or consolidating gives you that first win.
It’s like taking the leaves out of a gutter, once you clear the junk, things start flowing again.

That first little win gives you relief. And that relief turns into momentum.
Momentum brings motivation.
Motivation brings progress.
And progress keeps you in the game.

The longer you stay in the game, the better your chance to win.

Let’s be clear, this isn’t about taking on new debt. It’s about moving your debt into better, lower-cost debt so you can finally take control.

2. Simplify Life

Life is already full,  family, work, and everything else.
The last thing you need is to manage 10 or 20 different payments.

When are they due?
What’s the minimum?
Did I miss something?

Consolidating your debt simplifies life.
Now you’re down to one payment, one that’s easier to manage.

And when life gets simpler, it becomes sustainable.
If you can stick with it, you’ll bring more money into your life, and keep less in the bank’s vault.
You deserve to keep more of your money working for you.

3. Pay Less and Save More

This part is all about math.

When you consolidate, you often move from high-interest debt, like 18%, 24%, or even 30%, into something smarter.
That could be a home equity loan, a personal loan, a 0% credit card, or even a private loan from a friend or family member.

That’s like trading a gas-guzzling truck for a hybrid.
Even if you don’t lower the balance, you lower your interest, and that puts more money back into your life.

Here’s a quick example from the numbers:
If you have $10,000 in credit card debt at 24%, that’s about $2,400 a year in interest.
If you rearrange that into a personal loan at 10%, you save $1,400 a year.
That’s $1,400 you can use or enjoy instead of handing it to the bank.

4. Get Out of Debt Faster

When your interest rate drops, something magical happens.
You get more money and more mental freedom.
You finally see progress, and progress feels good.

If you keep your payments the same, more of that money goes toward paying down your debt.
You’re shrinking it faster, without working harder.

That’s the moment when things start to turn around.
You stop paying more and start working smarter.
And once you see your balance drop, confidence grows, and that confidence is priceless.

5. Enjoy More Options in Life

When you free up money, you create options.
More money means more choices.

Maybe it’s building an emergency fund,
helping your kids with activities,
taking a vacation,
starting to invest,
or paying down debt even faster.

Whatever you choose, it’s about creating more freedom.
Because when you’re not buried under high-cost debt, you stop reacting to money, and start directing it.

That’s how people go from struggling each month to being smart with their money.

Before You Start Snowball or Avalanche…

Let’s make this simple:
Before you start any debt payoff plan, rearrange your money first.

Get your first win.
Make life simpler.
Lower your costs.
Get out of debt faster.
And open up more options for your life.

Being smart with debt isn’t about being scared of it.
It’s about using it the right way, to build a better and freer future.

Take a few minutes today to run your numbers through our Accelerated Debt Payments Calculator 
See what repositioning can do for you.

It’s not about struggling to get out of debt, it’s about finding a smarter way to get there.

Be smart with your money, not scared of it. 

Watch our most recent video to find out more about: Don’t Use Snowball or Avalanche Until You Do THIS!