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Metaphorically, a snowball effect is a process that starts from an initial state of small significance and builds upon itself, becoming larger (graver, more serious), and also perhaps potentially dangerous or disastrous (a vicious circle), though it might be beneficial instead (a virtuous circle).This is a cliché in cartoons and modern theatrics and it is also used in psychology.  · Download the free debt snowball spreadsheet (here’s the link again in case you missed it earlier) and be sure to report back to us about your success with paying off your debt. We LOVE to hear back from our readers! Did you find this free debt reduction spreadsheet in time? Are you ready to kick butt and use it to get out of debt??! Debt Snowball Worksheet – Free Download This free debt snowball worksheet can be used to help you track your progress with paying off your debt using the Debt Snowball method. Be sure to watch our Debt Free Journey series on YouTube where we cover topics that will help you succeed at eliminating your debt and most importantly not getting into.

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