When I started this journey to financial freedom through clothing resale, I wanted to make it stick. I utilized the Dave Ramsey Snowball plan.

According to Dave Ramsey, Financial Expert, when starting to get out of debt, you should pay off the smallest debt first in order to build momentum.

The math seems to lean more toward paying the highest interest debts first, but what we have learned is that personal finance is 20% head knowledge and 80% behavior. – Dave Ramsey

I started with two small loans. Both were under 7% interest but both had remaining balances of under $3,000. By February 2015 the first one was paid off, and that March the second one was destroyed.

It felt pretty freaking amazing. Momentum had been built. I could actually do this! I felt like the cowardly lion from the Wizard of Oz, after he FINALLY found his courage.

Watching those numbers drop did exactly what Dave Ramsey said that it would do — it made me feel like I was winning.

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