![]() Winning with money is 80% behavior and only 20% head knowledge. Hope has more to do with this equation than math ever will. You don’t have to hold a math degree or have gone to business school to beat debt. The debt snowball works because it’s all about changing your behavior. That excitement is what’s going to motivate you to keep working hard-all the way to that debt-free finish line. But when you stick to the plan (without worrying about interest rates), you’re going to be jumping up and down when you pay off that smallest debt super quick. If your largest debt has the largest interest rate, it’s going to be a long time before you start to see a dent in that crazy balance of yours. Now, before you start arguing about the interest rates, hear us out. Step 4: Repeat until each debt is paid in full. Step 3: Pay as much as possible on your smallest debt. Step 2: Make minimum payments on all your debts except the smallest. Step 1: List your debts from smallest to largest regardless of interest rate. ![]() Pay off debt fast and save more money with Financial Peace University. When the smallest debt is paid in full, you roll the minimum payment you were making on that debt into the next-smallest debt payment. The debt snowball method is a debt-reduction strategy where you pay off debt in order of smallest to largest, gaining momentum as you knock out each remaining balance. And if you’re following Dave Ramsey’s 7 Baby Steps, you’ll use this method when you reach Baby Step 2-meaning you’re current on all your bills and have a $1,000 starter emergency fund. So why in the world are we talking about snowballs? Because when you use this technique to pay off your debt, you’ll be debt-free in no time. ![]() As you gain momentum and speed, your snowball grows into a snow boulder. If you grew up around snow, you know that the fastest way to build a snowball is to pack some snow into a tight ball and start rolling it around your yard. Let us introduce you to your new best friend (and the fastest way to get out of debt): the debt snowball method. Think of your business's sign as an invitation to the community: a hand extended in friendship.Looking to get out of debt-for good? You’ve come to the right place. A thoughtfully executed sign design assists in extending the business' presence in the community. You've already said "Yes" to your business site. Are there any architectural elements, colors, shapes, or materials that we can borrow to improve the visual connection between the sign and the building?.What is the natural landscape around your business?.The number two rule: it has to attract the viewer's attention.Ĭan it handle the visual competition in its situation? While "attractive" may be a bit subjective, here are some things regarding sign design that will attract attention while being aesthetically pleasing: How can we make it easier for the audience to absorb this information? The appropriate size and stroke/width of the fonts and good contrast in the colors will help the sign's effectiveness in your business's unique viewing scenario. ![]() The number one rule: the sign needs to be easy to read. Once a designer understands your goals for the project, its viewing scenario, and has procured all information on limitations from ordinances and budget: It is time to get started on the design. Clear communication with our clients is a critical factor during the design process. That doesn't mean your sign can't have a thin stroke script font on a patterned background: we just have to find an appropriate use for those elements in the right situation. We can help explain the difficulties specific fonts and color choices pose to the effectiveness of a sign and suggest more effective options. The farther away and faster the audience is, the simpler the sign needs to be bold fonts, high contrast colors, and simple logos. A good design must communicate the desired information as efficiently as possible to the audience at the appropriate speed and distance. Now we come to the fun part: designing! All designers know the K.I.S.S. Sign Design: Advice from a Creative Designer
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