{"id":10174,"date":"2023-09-07T11:31:09","date_gmt":"2023-09-07T11:31:09","guid":{"rendered":"https:\/\/eiendomsfinans.no\/try-the-snowball-method-of-paying-off-debt\/"},"modified":"2025-06-11T08:27:14","modified_gmt":"2025-06-11T08:27:14","slug":"try-the-snowball-method-of-paying-off-debt","status":"publish","type":"post","link":"https:\/\/eiendomsfinans.no\/en\/articles\/try-the-snowball-method-of-paying-off-debt\/","title":{"rendered":"Try the snowball method of paying off debt"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"10174\" class=\"elementor elementor-10174 elementor-3903\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d9ac5e0 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"d9ac5e0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-56b70184 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"56b70184\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-75ccdbf6 elementor-widget elementor-widget-hfe-breadcrumbs-widget\" data-id=\"75ccdbf6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"hfe-breadcrumbs-widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<nav aria-label=\"Breadcrumb\"><ul class=\"hfe-breadcrumbs hfe-breadcrumbs-show-home\"><li class=\"hfe-breadcrumbs-item hfe-breadcrumbs-first\"><span class=\"hfe-breadcrumbs-home-icon\"><\/span><a href=\"https:\/\/eiendomsfinans.no\/en\/\"><span class=\"hfe-breadcrumbs-text\">Home page<\/span><\/a><\/li><\/ul><\/nav>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a4b4574 elementor-widget elementor-widget-image\" data-id=\"3a4b4574\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"512\" src=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/03\/snoball_tiny_crop_9f81e04e0b4c8c6e8a44adf276e5b468-1024x512.jpeg\" class=\"attachment-large size-large wp-image-9485\" alt=\"Jente sitter p\u00e5 huk i en park og kaster sn\u00f8ball\" srcset=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/03\/snoball_tiny_crop_9f81e04e0b4c8c6e8a44adf276e5b468-1024x512.jpeg 1024w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/03\/snoball_tiny_crop_9f81e04e0b4c8c6e8a44adf276e5b468-300x150.jpeg 300w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/03\/snoball_tiny_crop_9f81e04e0b4c8c6e8a44adf276e5b468-768x384.jpeg 768w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/03\/snoball_tiny_crop_9f81e04e0b4c8c6e8a44adf276e5b468-1536x768.jpeg 1536w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/03\/snoball_tiny_crop_9f81e04e0b4c8c6e8a44adf276e5b468.jpeg 1920w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-22ecaaba e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"22ecaaba\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3bc840c elementor-widget elementor-widget-heading\" data-id=\"3bc840c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The snowball method<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3f4fe81e elementor-widget elementor-widget-text-editor\" data-id=\"3f4fe81e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Start with the smallest loan amount first and finish with <br>the largest. By choosing this method, you&#8217;ll be <br>motivated to see that each loan disappears faster. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-37ca07a0 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"37ca07a0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-65119212 elementor-widget elementor-widget-heading\" data-id=\"65119212\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">September 7, 2023<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6e04f222 elementor-widget elementor-widget-image\" data-id=\"6e04f222\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/secure.gravatar.com\/avatar\/49e1c581834f755f775c8a301e5f85fd49a0e9628a953de2d17db93d4709032f?s=96&#038;d=mm&#038;r=g\" title=\"\" alt=\"\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-339026d5 elementor-widget elementor-widget-heading\" data-id=\"339026d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Monica Amundsen Holen<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7c30c9cd e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"7c30c9cd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-60cdd281 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"60cdd281\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6edaeac elementor-widget elementor-widget-heading\" data-id=\"6edaeac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Have you been turned down for refinancing?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a444a7a elementor-widget elementor-widget-text-editor\" data-id=\"a444a7a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>In some cases, you find yourself in a situation where it is not possible to refinance, and then you have to think about alternatives. There are many ways to pay off loans, and very often it turns out that the most common way is often not the best.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6b70a3e elementor-widget elementor-widget-text-editor\" data-id=\"6b70a3e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>As a general rule, you adhere to the repayment plan that the banks have set. If you do that, it&#8217;s hard to reach your goals and hard to stay motivated.<\/p>\n<p>The snowball method is a way of paying off debt that proves to be both faster and more motivating. Throughout all my years in the banking world, I have seen several examples of customers being able to pay off debt they didn&#8217;t think was possible by doing it this way.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6de8f14f e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"6de8f14f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-16b80a9d elementor-widget elementor-widget-text-editor\" data-id=\"16b80a9d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>It is easy to think that the snowball method seems like a bad solution for paying off debt. Wouldn&#8217;t it be a better solution to start with the most expensive loan, i.e. the one with the highest interest rate?<\/p>\n<p> <\/p>\n<p>Well, if you do, it will actually be cheaper overall, but the problem with starting repayments on the loan with the highest interest rate is that it&#8217;s so terribly easy to become unmotivated.<\/p>\n<p> <\/p>\n<p>The reason for this is that it takes an awfully long time to progress if the loan that is number 1 is NOK. 450.000,- . It&#8217;s much more motivating to be able to get rid of four small loans in a short space of time.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-52aed04 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"52aed04\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-9d8bda0 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"9d8bda0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-165be79c elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-image\" data-id=\"165be79c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"352\" height=\"422\" src=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/09\/Monica_Amundsen_Holen_2025.webp\" class=\"attachment-large size-large wp-image-23310\" alt=\"Monica Amundsen Holen profile picture 2025\" srcset=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/09\/Monica_Amundsen_Holen_2025.webp 352w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/09\/Monica_Amundsen_Holen_2025-250x300.webp 250w\" sizes=\"(max-width: 352px) 100vw, 352px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1515a0b e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"1515a0b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-48e7f1d3 elementor-widget elementor-widget-text-editor\" data-id=\"48e7f1d3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>To use the method, you must do the following:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6774fb7 elementor-widget elementor-widget-text-editor\" data-id=\"6774fb7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ol>\n<li>Sort all your debt items by the size of the loan.  <br>Leave the smallest loan at the top as number 1.<\/li>\n<li>Pay only the minimum amount on debt item 2 and below.<\/li>\n<li>Pay as much as you can on the debt item listed as number 1<\/li>\n<li>When you have paid off the loan listed as number 1, you have freed up e.g. NOK 500.- per months You can use this NOK 500 as an additional payment on the loan that now moves up to 1st place on your list. You must still pay as much as you can only manage on loan number 1, and only the minimum amount on loan number 2, etc. Now you suddenly have one less loan to deal with.<\/li>\n<\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d12c7c3 elementor-widget elementor-widget-text-editor\" data-id=\"d12c7c3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If you have any questions, or need some good advice, you can call me on <a href=\"tel:92662904\"><span style=\"text-decoration: underline;\"><strong>926 62 904.<\/strong><\/span> <\/a>or send me an email at <a href=\"mailto:monica@eiendomsfinans.no\"><span style=\"text-decoration: underline;\"><strong>monica@eiendomsfinans.no<\/strong><\/span><\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8f06b99 elementor-widget elementor-widget-text-editor\" data-id=\"8f06b99\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u2190 <strong>Monica Amundsen Holen<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-217914 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"217914\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1f089f54 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"1f089f54\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-303ac147 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"303ac147\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5de6cdd2 elementor-hidden-desktop elementor-widget elementor-widget-image\" data-id=\"5de6cdd2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"352\" height=\"422\" src=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/09\/Monica_Amundsen_Holen_2025.webp\" class=\"attachment-large size-large wp-image-23310\" alt=\"Monica Amundsen Holen profile picture 2025\" srcset=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/09\/Monica_Amundsen_Holen_2025.webp 352w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/09\/Monica_Amundsen_Holen_2025-250x300.webp 250w\" sizes=\"(max-width: 352px) 100vw, 352px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7934b421 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"7934b421\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-34bdc74d elementor-widget elementor-widget-heading\" data-id=\"34bdc74d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Free and quick case management<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-21b31625 elementor-widget elementor-widget-text-editor\" data-id=\"21b31625\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>With us, you will be assigned a permanent advisor who will help you throughout. After<br>a pleasant conversation with you, we map your financial situation.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-681480b2 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"681480b2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"http:\/\/eiendomsfinans.no\/soknad\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get in touch<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6383ff55 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"6383ff55\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7a41b459 elementor-widget elementor-widget-heading\" data-id=\"7a41b459\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">I can also help you with this<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ea7664b img_hover_animation_img_no_effect readmore-btn-only-text title_position_default title_hover_border_default title-default grid-hover-overlay-type-always tpg-el-box-border-enable tpg-border-bottom-disable elementor-widget elementor-widget-tpg-grid-layout\" data-id=\"6ea7664b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"tpg-grid-layout.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"rt-container-fluid rt-tpg-container tpg-el-main-wrapper clearfix grid-layout1-main \"\n\t\t\t id=\"rt-tpg-container-1926573358\"\n\t\t\t data-layout=\"grid-layout1\"\n\t\t\t data-grid-style=\"tpg-full-height\"\n\t\t\t data-sc-id=\"elementor\"\n\t\t\t data-el-settings=''\n\t\t\t data-el-query=''\n\t\t\t data-el-path=''\n\t\t>\n\t\t\t\t\t\t<div class='tpg-header-wrapper '>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t<div data-title=\"Loading ...\" class=\"rt-row rt-content-loader grid-layout1 grid-behaviour tpg-full-height grid_layout_wrapper\">\n\t\t\t\t<div class=\"rt-col-md-4 rt-col-sm-6 rt-col-xs-12 img_no_effect rt-grid-item post-10164 post type-post status-publish format-standard has-post-thumbnail hentry category-articles tag-surety generate-columns tablet-grid-50 mobile-grid-100 grid-parent grid-50\"        data-id=\"10164\">\n    <div class=\"rt-holder tpg-post-holder \">\n        <div class=\"rt-detail rt-el-content-wrapper\">\n\t\t\t                <div class=\"rt-img-holder tpg-el-image-wrap has-thumbnail\">\n\t\t\t\t\t<a data-id=\"10164\" href=\"https:\/\/eiendomsfinans.no\/en\/articles\/surety\/\" class=\"tpg-post-link\" target=\"_self\">                        <img decoding=\"async\" src=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2024\/01\/boliglan_med_kausjonist-300x198.jpg\"\n                             class=\"rt-img-responsive\"\n                             width=\"300\"\n                             height=\"198\"\n                             alt=\"Surety\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t<\/a>\n\t\t        <div class=\"overlay grid-hover-content\"><\/div>\n\t\t                <\/div>\n\t\t\t\n\t\t\t<div class=\"entry-title-wrapper\"><h3 class=\"entry-title\"><a data-id=\"10164\" href=\"https:\/\/eiendomsfinans.no\/en\/articles\/surety\/\" class=\"tpg-post-link\" target=\"_self\">Surety<\/a><\/h3><\/div>\n\t\t\t\n\n\t\t\t                <div class=\"tpg-excerpt tpg-el-excerpt\">\n\t\t\t\t\t                        <div class=\"tpg-excerpt-inner\">\n\t\t\t\t\t\t\tWhat is a surety? What forms of surety are there? What is the difference between guarantor and                         <\/div>\n\t\t\t\t\t\t\t\t\t\t                <\/div>\n\t\t\t\n\t\t\t        <div class=\"post-footer\">\n            <div class=\"post-footer\">\n                <div class=\"read-more\">\n\t\t\t\t\t<a data-id=\"10164\" href=\"https:\/\/eiendomsfinans.no\/en\/articles\/surety\/\" class=\"tpg-post-link\" target=\"_self\">Les artikkelen \u2192<\/a>                <\/div>\n            <\/div>\n        <\/div>\n\t\t        <\/div>\n    <\/div>\n<\/div>\n<div class=\"rt-col-md-4 rt-col-sm-6 rt-col-xs-12 img_no_effect rt-grid-item post-10118 post type-post status-publish format-standard has-post-thumbnail hentry category-articles tag-help-to-clear-up-debt generate-columns tablet-grid-50 mobile-grid-100 grid-parent grid-50\"        data-id=\"10118\">\n    <div class=\"rt-holder tpg-post-holder \">\n        <div class=\"rt-detail rt-el-content-wrapper\">\n\t\t\t                <div class=\"rt-img-holder tpg-el-image-wrap has-thumbnail\">\n\t\t\t\t\t<a data-id=\"10118\" href=\"https:\/\/eiendomsfinans.no\/en\/articles\/do-you-need-help-clearing-up-debt\/\" class=\"tpg-post-link\" target=\"_self\">                        <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/03\/Eiendomsfinans_slette_betalingsanmerkninger-300x150.jpeg\"\n                             class=\"rt-img-responsive\"\n                             width=\"300\"\n                             height=\"150\"\n                             alt=\"Help to clear up debt?\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t<\/a>\n\t\t        <div class=\"overlay grid-hover-content\"><\/div>\n\t\t                <\/div>\n\t\t\t\n\t\t\t<div class=\"entry-title-wrapper\"><h3 class=\"entry-title\"><a data-id=\"10118\" href=\"https:\/\/eiendomsfinans.no\/en\/articles\/do-you-need-help-clearing-up-debt\/\" class=\"tpg-post-link\" target=\"_self\">Help to clear up debt?<\/a><\/h3><\/div>\n\t\t\t\n\n\t\t\t                <div class=\"tpg-excerpt tpg-el-excerpt\">\n\t\t\t\t\t                        <div class=\"tpg-excerpt-inner\">\n\t\t\t\t\t\t\tDo you need to collect expensive small loans, or do you want help deleting payment remarks? - we                         <\/div>\n\t\t\t\t\t\t\t\t\t\t                <\/div>\n\t\t\t\n\t\t\t        <div class=\"post-footer\">\n            <div class=\"post-footer\">\n                <div class=\"read-more\">\n\t\t\t\t\t<a data-id=\"10118\" href=\"https:\/\/eiendomsfinans.no\/en\/articles\/do-you-need-help-clearing-up-debt\/\" class=\"tpg-post-link\" target=\"_self\">Les artikkelen \u2192<\/a>                <\/div>\n            <\/div>\n        <\/div>\n\t\t        <\/div>\n    <\/div>\n<\/div>\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9bd9a3e elementor-hidden-tablet elementor-hidden-mobile e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"9bd9a3e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-5daca1ea e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"5daca1ea\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-17ab8895 elementor-widget elementor-widget-html\" data-id=\"17ab8895\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<script src='https:\/\/online4.superoffice.com\/Cust30170\/CS\/scripts\/customer.fcgi?action=form&id=F-eC7gSjnU' defer><\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e0d180a elementor-widget elementor-widget-image\" data-id=\"e0d180a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"480\" height=\"341\" src=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2025\/04\/image-29.png-3-4.png\" class=\"attachment-full size-full wp-image-20147\" alt=\"\" srcset=\"https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2025\/04\/image-29.png-3-4.png 480w, https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2025\/04\/image-29.png-3-4-300x213.png 300w\" sizes=\"(max-width: 480px) 100vw, 480px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>The snowball method is a way of paying off debt that turns out to be both faster and more motivating.  <\/p>\n","protected":false},"author":5,"featured_media":9485,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[166],"tags":[168],"class_list":["post-10174","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles","tag-the-snowball-method","generate-columns","tablet-grid-50","mobile-grid-100","grid-parent","grid-50"],"acf":{"superoffice_client":"","superoffice_token":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.1 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>The snowball method | Eiendomsfinans<\/title>\n<meta name=\"description\" content=\"The snowball method is effective for paying off debt. 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Alt for ofte fikk jeg kunder p\u00e5 kontoret som var fortvilet fordi de ikke lengre hadde oversikt over \u00f8konomien sin, og som \u00f8nsket hjelp til \u00e5 f\u00e5 ryddet opp. Hos Eiendomsfinans samarbeider vi med mange ulike banker noe som betyr at vi kan hjelpe b\u00e5de de som har en \u00f8konomi som er innenfor boksen, men ogs\u00e5 de som er litt utenfor.","sameAs":["https:\/\/eiendomsfinans.no\/monica-amundsen-holen\/","https:\/\/www.facebook.com\/seniorradgiver.monicaholen","https:\/\/www.instagram.com\/seniorradgiver_monicaholen\/"],"honorificSuffix":"Seniorr\u00e5dgiver","gender":"kvinne","knowsAbout":["Boligl\u00e5n","refinansiering og omstartsl\u00e5n"],"knowsLanguage":["Norsk","Engelsk"],"jobTitle":"Seniorr\u00e5dgiver","worksFor":"Eiendomsfinans","url":"https:\/\/eiendomsfinans.no\/en\/author\/monica-amundsen-holen\/"}]}},"rttpg_featured_image_url":{"full":["https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/03\/snoball_tiny_crop_9f81e04e0b4c8c6e8a44adf276e5b468.jpeg",1920,960,false],"landscape":["https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/03\/snoball_tiny_crop_9f81e04e0b4c8c6e8a44adf276e5b468.jpeg",1920,960,false],"portraits":["https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/03\/snoball_tiny_crop_9f81e04e0b4c8c6e8a44adf276e5b468.jpeg",1920,960,false],"thumbnail":["https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/03\/snoball_tiny_crop_9f81e04e0b4c8c6e8a44adf276e5b468-150x150.jpeg",150,150,true],"medium":["https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/03\/snoball_tiny_crop_9f81e04e0b4c8c6e8a44adf276e5b468-300x150.jpeg",300,150,true],"large":["https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/03\/snoball_tiny_crop_9f81e04e0b4c8c6e8a44adf276e5b468-1024x512.jpeg",1024,512,true],"1536x1536":["https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/03\/snoball_tiny_crop_9f81e04e0b4c8c6e8a44adf276e5b468-1536x768.jpeg",1536,768,true],"2048x2048":["https:\/\/eiendomsfinans.no\/wp-content\/uploads\/2023\/03\/snoball_tiny_crop_9f81e04e0b4c8c6e8a44adf276e5b468.jpeg",1920,960,false]},"rttpg_author":{"display_name":"Monica Amundsen Holen","author_link":"https:\/\/eiendomsfinans.no\/en\/author\/monica-amundsen-holen\/"},"rttpg_comment":0,"rttpg_category":"<a href=\"https:\/\/eiendomsfinans.no\/en\/category\/articles\/\" rel=\"category tag\">Articles<\/a>","rttpg_excerpt":"The snowball method is a way of paying off debt that turns out to be both faster and more motivating.","_links":{"self":[{"href":"https:\/\/eiendomsfinans.no\/en\/wp-json\/wp\/v2\/posts\/10174","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/eiendomsfinans.no\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/eiendomsfinans.no\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/eiendomsfinans.no\/en\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/eiendomsfinans.no\/en\/wp-json\/wp\/v2\/comments?post=10174"}],"version-history":[{"count":0,"href":"https:\/\/eiendomsfinans.no\/en\/wp-json\/wp\/v2\/posts\/10174\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/eiendomsfinans.no\/en\/wp-json\/wp\/v2\/media\/9485"}],"wp:attachment":[{"href":"https:\/\/eiendomsfinans.no\/en\/wp-json\/wp\/v2\/media?parent=10174"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/eiendomsfinans.no\/en\/wp-json\/wp\/v2\/categories?post=10174"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/eiendomsfinans.no\/en\/wp-json\/wp\/v2\/tags?post=10174"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}