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19.03.2014

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The best thing about the snowball method is that you can tweak it to fit the way you want to pay down your debts.
If you've gotten in over your head with debt, then you know how tough it is to get out of the hole. PCWorld helps you navigate the PC ecosystem to find the products you want and the advice you need to get the job done. In its default setting, the spreadsheet uses a payoff method similar to that suggested by Mary Hunt's Rapid Debt Reduction Plan. Thus, for Ramsey and Hunt, it's all about motivation — getting entire debts crossed off your list quickly and then rolling each paid debt's payment into the next one.
And how's this for control: You can now also pay off your debts in your own preferred order! To me, this strategy always seemed very logical, since it always pays off debts in the shortest-calculated order. Also, with any of the payoff strategies, users can accelerate payoff on selected debts (including debts with higher interest rates, if desired) simply by increasing the monthly payment they enter in the Creditor list. Once you've input all your debts, simply change the sort order, give Excel a few moments to crunch the numbers (it ain't always easy!), and then view the figures beneath the accompanying chart. Many times, regardless of the sort order of your debt paydown plan, what you'll find is that there simply isn't much difference in the total dollars saved by paying debts in different orders. If interest savings are the most important factor to you, then paying your highest-rate debts first is almost always the method to choose.
Here's what I believe to be the single best feature of the Rapid Payoff Calculator: Once you've input your debts and your Monthly Booster payment (if any), the spreadsheet creates printable payoff progress charts.
NOTE: Since most of us also have debts (like auto loans, personal loans, and such) whose payments don't decrease as the balance decreases, the data generated in the Falling Payment Plan won't be exact. Make whatever extra payment(s) you wish, then update your debt balances (at the top of the spreadsheet) to reflect the new balances after your extra payment.
If you wish to see the effect the extra payment had on your debt paydown, simply compare the new printout to your old one. Snowball payoff plan is a debt payment method taught and endorsed by many financial professionals.


The first step of the snowball payoff method is to collect the essential information about all the debts. For the snowball method to work, Sarah will make the minimum monthly payment towards the three debts. Debts app provides four preset payoff order under the Payoff Plan tab: Lowest Balance, Highest Balance, Lowest Interest and Highest Interest.
For each payoff order, Debts app calculates the debt free date, total payment and total interest incurred under the plan.
Normally you will get the lowest total interest amount incurred under Highest Interest payoff order. It's a fast and predictable way to get out of debt, and this downloadable calculator makes it easy.
Once you've opened it up, enter each of your credit cards, loans, or other debts into each row, along with their outstanding balances, interest rates, and how much you can afford to put to each debt every month (at least the minimum payment).
Here your Rapid Payoff plan will be structured with debts being paid in order from shortest to longest payoff.
Getting rid of high-interest debts first may save more money compared to other plans, but Ramsey and Hunt firmly believe (and I agree) that your chances of becoming DEBT FREE increase dramatically when you can see yourself making progress — when you can quickly mark debts off of your list.
The Rapid Payoff Calculator was initially set up to mimic this: Your debts' balances are generally more important than their interest rates.
Well, the higher the interest rates you're paying, and the larger the amount of dollars revolving at those high rates, the more your savings will be affected by how you sort your debts. However, as Dave Ramsey makes clear in his Baby Steps plan, there are really good reasons for not paying your debts off in this manner!
In a Falling Plan, your payments are based on a percentage of your outstanding balance; therefore, your minimum payment decreases as your balance decreases. The RPC will handle variable-rate debts just fine, so long as you re-enter your current balances and rates at least every couple of months or so (or anytime you simply feel like doing it). She has accumulated $2,600 in credit card debt, has an automobile loan with $15,200 balance and is still paying her student loan which has a balance of $580. Sarah plans to eliminate her debts by the “Lowest Balance” payoff order, which means she plans to payoff Student Loan ($580) first which has the lowest balance, then Credit Card ($2,600) and lastly the Automobile Loan ($15,200).


Once a debt is paid off, the minimum payment of the debt together with the Extra Payment will then be snowballed towards the payment of the rest of the debts.
One camp believes debts should always be paid in order from highest to lowest interest rate; the other suggests that debts be paid from smallest to largest balance (or shortest to longest payoff time). Paying your debts in order of shortest to longest payoff (or smallest to largest balance) accomplishes this.
Each provides small victories (paid-off debts) much earlier in the Plan, which builds confidence and momentum on your road to debt freedom! If you've entered the correct figures for your debts, it's most likely that the card companies have you EXACTLY where they want you: If you stick to their "Falling" payment plan, where payments decline as your balance declines, you'll be paying them for a hundred years or more.
This Extra Payment will be added to the minimum payment towards the payment of the first debt of the payoff order which is the Student Loan.
By focusing your effort on one debt at a time, you will see your debt eliminated and this encourages determination to stick to the plan. The RPC automatically applies this additional "booster" to your monthly payment for the next debt on your paydown list. In any case, when things like this happen, it's a good idea to look up all your debts' current balances and re-enter them into the spreadsheet. If you can't afford to hire a financial planner--and if you're in debt, you most likely don't have the ready cash to do that--Debt Reduction Calculator is a great alternative. It might take longer for the first debt to be eliminated under the Highest Interest payoff order. The Lowest Balance payoff order gives you the psychological effect of seeing your debt eliminated quicker, thus gives you motivation to follow through your debt payment plan.



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