Uyini umehluko phakathi kwezindlela zokukhokha izikweletu ze-Debt Snowball ne-Debt Avalanche?
I-Debt Snowball ne-Debt Avalanche yizindlela ezimbili ezaziwa kabanzi zokukhokha izikweletu. Enye iyindlela esheshayo ngokwezibalo yokukhokha isikweletu; kanti enye iyindlela encane kodwa ekhuthaza ngokwengeziwe ngokwengqondo. Lesi sikhuthazo yiso esisiza umuntu ukuba afinyelele imigomo yakhe yokukhokha izikweletu. Isethi elandelayo yezikweletu izosetshenziswa njengesisekelo sokuchaza indlela ngayinye:  Isikweletu A sinesamba esingu-$10,000 ngesilinganiso senzalo esingu-4%. Isikweletu B sinesamba esingu-$5,000 ngesilinganiso senzalo esingu-10%. Isikweletu C sinesamba esingu-$8,000 ngesilinganiso senzalo esingu-24%.  Ngokuvamile i-Debt Avalanche iyindlela esheshayo futhi engabizi kakhulu yokukhokha izikweletu. Umuntu wenza izinkokhelo ezincane kuzo zonke izikweletu zakhe futhi noma yiziphi ezengeziwe ziya ekhawunteni elinenani lenzalo eliphakeme kakhulu (Isikweletu C esibonelweni esingenhla). Uma lelo nani lokuqala selikhokhiwe, lowo muntu uthatha izinkokhelo kulokho abese ekufaka konke esilinganisweni senzalo sesibili esiphezulu (Isikweletu B). Phinda kuze kube yilapho zonke izikweletu sezikhokhiwe.  I-Debt Snowball iyindlela eyaziwa uchwepheshe wezezimali zomuntu siqu, uDave Ramsey, eSinyathelweni 2 sezinyathelo zakhe eziyisikhombisa zokwakha ingcebo. Le ndlela isebenzisa ingqondo ngokukhokha ibhalansi encane kuqala (Isikweletu B ngenhla). Umbono uwukuthi umuzwa wokukhokha isikweletu ngokushesha unikeza isisusa sokunamathela esimisweni. Ngokufana ne-Debt Avalanche, umuntu uthatha izinkokhelo ezivela ku-Debt B azifake ebhalansi elandelayo encane (i-Debt C). Phinda kuze kube yilapho zonke izikweletu sezikhokhiwe.