As if I needed a visual to really "get" the snowball theory to pay down debt........ The kids & I were outside at the burn pile & leaning on my pitchfork, I could visualize the credit cards as the big piles of stuff that needed to be burned. We were all working on our own at first, then throwing caution to the wind, I asked for the boys to work on one pile with me. We finished that in short order. Moved on to the next, etc. We're almost through 3 huge piles of branches that weren't showing any progress with all of us working on different piles at the same time. The kids weren't the least impressed, but it was a pretty neat visual for me. (I have been doing this method on the cc's but this was just fun to ponder while out baby sitting the fire)