Strategies

Two more worth knowing

A debt snowflake is not an order at all — it is the habit of throwing every windfall (a bonus, a refund, a month you underspent) at whichever debt you are already attacking. It layers on top of any strategy here; log it as a prepayment and the plan updates.

Consolidation — a balance transfer or a lower-rate refinance — changes the debts themselves rather than their order. It can beat every plan on this page, but only if the new rate genuinely undercuts the old one once processing fees are counted.