{"id":298,"date":"2012-10-19T16:29:03","date_gmt":"2012-10-19T16:29:03","guid":{"rendered":"http:\/\/www.andrewhope.co.uk\/BLog\/?p=298"},"modified":"2026-07-21T19:55:36","modified_gmt":"2026-07-21T18:55:36","slug":"financial-snowballing","status":"publish","type":"post","link":"https:\/\/www.andrewhope.co.uk\/Blog\/financial-snowballing\/","title":{"rendered":"Financial Snowballing"},"content":{"rendered":"<p><strong><em>Disclaimer<\/em><\/strong><em>: This page contains affiliate links. Predominantly as an an eBay Partner Affiliate, Google Adsense and Amazon Affililate and as a member of other affiliate networks. If you choose to make a purchase after clicking a link, I earn from qualifying purchases and may receive a commission at no additional cost to you.<\/em><\/p>\n<p>&nbsp;<\/p>\n<p>Starting in 2013 as a new years resolution and as a personal choice. I&#8217;m going to try and become debt free or extremely reduced with the amount of debt I owe. I&#8217;m not ashamed to admit since getting credit cards I&#8217;ve fallen into the trap of buying on them all the time and instead of saving up just adding onto the card and going to the minimum payment<\/p>\n<p>Take my words for it, they make life harder to manage and it&#8217;s not worth it so address the problems. Not add to them. Currently I&#8217;m paying out nearly \u00a31500-1600 per month which is a bit of a bugger on my wages<\/p>\n<p>I&#8217;ve got my own snowball calculator built over the small little changes I can do to my lifestyle and savings which will drastically reduce my bills. Sometimes you attack the high APR items, but personally I&#8217;m choosing to attack the small balance items first, because I can compound them into larger amounts. I&#8217;ve selected this because my funds are usually limited to the point where I can&#8217;t save much up a month, and quite frankly small accomplishments make great goals that egg on your spirits for future achievements.<\/p>\n<p>The goals I have are achievable aswell and cost me nothing because the money I get is free (i.e music reviews) and simply overpaying my lowest credit card \u00a310 per month {\u00a3200} it is paid off 3 months earlier. I&#8217;m going to track this to show my progress along with my health goals.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Disclaimer: This page contains affiliate links. 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13:50:36","updated":"2026-07-21 18:56:24","seo_analyzer_scan_date":null,"focus_keyword":null,"additional_keywords":null,"truseo_locale":null},"aioseo_breadcrumb":"<div class=\"aioseo-breadcrumbs\"><span class=\"aioseo-breadcrumb\">\n\t\t\t<a href=\"https:\/\/www.andrewhope.co.uk\/Blog\" title=\"Home\">Home<\/a>\n\t\t<\/span><span class=\"aioseo-breadcrumb-separator\">&raquo;<\/span><span class=\"aioseo-breadcrumb\">\n\t\t\t<a href=\"https:\/\/www.andrewhope.co.uk\/Blog\/category\/uncategorized\/\" title=\"Uncategorized\">Uncategorized<\/a>\n\t\t<\/span><span class=\"aioseo-breadcrumb-separator\">&raquo;<\/span><span class=\"aioseo-breadcrumb\">\n\t\t\tFinancial Snowballing\n\t\t<\/span><\/div>","aioseo_breadcrumb_json":[{"label":"Home","link":"https:\/\/www.andrewhope.co.uk\/Blog"},{"label":"Uncategorized","link":"https:\/\/www.andrewhope.co.uk\/Blog\/category\/uncategorized\/"},{"label":"Financial 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