The offense is a microaggression if it refers to anything that might, with some imagination, resemble racism, sexism or culturalism. Itâs usually an accident caused by a failure to read minds. Other thoughts:
The debt avalanche is  the practice of ranking debts by interest rate and paying each off by starting with the highest-interest debt first. This approach may help you save the most money overall, and is often recommended by financial advisers as the best way to pay off debt. The plus is, of course, paying less interest, says Beverly Harzog, a credit and consumer expert and author of The Debt Escape Plan.
There are several tactics you can use to get your debt into a manageable state, with one of the more popular ones called Debt Snowflaking. Hereâs how it breaks down. The Snowflake method is a twist on the Debt Snowball strategy, which we discussed in detail in a previous article. In addition to tallying up your debt totals and putting them in order from the lowest balance to the highest, you then start making micro-sized debt payments to accelerate your debt payoff.