Using Dave Ramsey’s Debt Snowball Principle to Conquer Your To Do List

By Tico+Tina

Last updated March 19, 2019

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This entry is part 14 of 31 in the series Embracing Life in Beta

Have you heard of Dave Ramsey’s debt snowball principle?

The idea is to make a list of all your debts, list them smallest to largest, and pay them off in that order.

People logically think they should make sure to pay off the debt with the highest interest rate first, but as Dave says, if you were that concerned with math you wouldn’t have gone into debt in the first place.

The truth is that long term goals are just hard to stick to and accomplish.

No matter how ready to tackle the world we start out, things get tough and we find ourselves wanting to give up.

If, however, we can see ourselves gaining traction, making progress, developing momentum, well… that’s encouraging!

You need to believe you can accomplish what you’re trying to do – if you lose hope, you’re done for.

Knocking out the little stuff strengthens your resolve to tackle the bigger stuff.


This same concept can also work for your to do list!

It’s ok to put some projects on hold for awhile, just do the bare minimum, and really knock out those little “to do” gnats pestering around your head.

Put your mental capacity to work on one thing at a time, and as you cross items off of the list, your momentum begins to build. The brain power that was being exerted on many things at once is able to start accomplishing more in less time.

When you’re really ready to start tackling a bigger project, break it down into smaller tasks so that you’re able to see the progress you’re making and maintain your momentum.

Doing big stuff is only possible when you approach with the right mindset.

Who’s ready to make some snowballs?!

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We're well-acquainted with being stuck in soul-sucking survival mode, and the intense internal friction of not living in alignment with your potential. We're all about discovering, creating, and sharing adulting cheat codes™ so you can level up faster! -David (Tico) & Chris(tina)

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