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Write each one of your debts down on this form in order from smallest to largest. The smallest debt will be the one that will be getting the snowball payment. You can either print it or fill it in online as a pdf, so it works no matter which format you prefer. 100% 10% jan feb mar 90% 20% apr.
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Then, take what you were paying on that debt and add it to the payment of your next smallest debt. If you prefer to use a spreadsheet to track your debt payoff progress, you can grab my debt payoff toolkit here. List the balance, interest rate, and minimum payment. All pages are 100% free.
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