Money management
Tracking money across multiple currencies without the headache
Salary in one currency, savings in another, travel in a third? Here is how to see the whole picture.
Both methods start the same way: list every debt with its balance, interest rate and minimum payment.
The avalanche method
Pay minimums everywhere and put every extra unit of money toward the highest-interest debt. Mathematically, it costs the least.
The snowball method
Pay off the smallest balance first. Quick wins build momentum, which is why many people actually finish with it.
How to choose
- Big rate differences → avalanche
- Many small debts and low motivation → snowball
- Not sure → start with snowball, switch later
