Snowball or Snowflake?

I was recently introduced to the concept of snowflaking at paidtwice.com. The author didn’t come up with this idea, but I’d never seen it before. It’s a simple concept, and one that I realize I’ve contemplated doing on occasion. But I never considered methodically snowflaking.
It’s based on the familiar concept of snowballing, [...]

One last business post

Okay, I’ve talked the debt over with my husband. He and I both feel like getting this mess down on paper changes the way we feel about the debt – instead of being afraid to know and avoiding the issue, we are much more confident in our ability to pay down the debts. [...]