It’s really hard to pay debts. Good thing there are some thing that can help us such as the debt-snowball. The debt-snowball method is a debt reduction strategy, whereby one who owes on more than one account pays off the accounts starting with the smallest balances first while paying the minimum on larger debts. Many people have probably heard of the “snowball” debt technique. The idea is to repay smaller debts first, giving a person a win they can point to, which “snowballs” as they pay off other debts. A brand new study, by researchers from Kellogg University, found that it actually works.