Why Strategy Matters More Than Math

When couples try to pay down debt, the biggest challenge isn’t numbers—it’s consistency. Many start with good intentions but lose steam when progress feels slow. Studies have shown that people who use the Debt Snowball method are more likely to complete their debt payoff journey than those who use other approaches.

Why? Because momentum and motivation matter more than math. The right strategy keeps couples encouraged and united through the process.

The Debt Snowball Method

The Debt Snowball focuses on knocking out your smallest debt first, no matter the interest rate.

How it works:

1. List your debts from smallest balance to largest.

2. Pay minimums on all except the smallest.

3. Attack that smallest debt with every extra dollar.

4. Once it’s gone, roll that payment into the next debt.

Why it works for couples:

• Provides quick wins that create motivation.

• Builds momentum that carries you forward.

• Strengthens teamwork and commitment.

Research shows that this sense of progress dramatically increases the odds of finishing what you start. For couples who need to feel “we’re actually winning,” this method delivers.

The Debt Avalanche Method

The Debt Avalanche focuses on tackling your highest-interest debt first.

How it works:

1. List debts from highest to lowest interest.

2. Pay minimums on all except the highest-interest debt.

3. Apply extra money to that debt until it’s gone.

Why some choose it:

• Saves money on interest over time.

• May shorten the total repayment period.

Downside for couples:

• Progress feels slower.

• Harder to stay motivated if the biggest debt takes years to clear.

Why Couples Should Choose the Debt Snowball

While both methods can technically work, the Debt Snowball is the best path for couples. Here’s why:

• Couples using the snowball method are more likely to stay consistent and finish their payoff plan.

• The quick wins reduce stress and stop money fights, turning conflict into teamwork.

• It builds positive momentum that keeps you motivated for the long haul.

Mathematically, the avalanche may save more on interest. But when it comes to real life—where habits, emotions, and teamwork matter—the Debt Snowball wins every time.

Final Thoughts

The best debt payoff strategy isn’t about saving a few extra dollars in interest—it’s about actually finishing the journey. For most couples, the Debt Snowball is the proven path that keeps motivation high and dramatically increases the likelihood of success.

At Harmon Solutions, we guide couples step by step through the debt snowball so they can finally see progress, stay motivated, and win with money—together. Ready to get started? Book your free introduction session today.