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.
The debt avalanche method differs from the debt snowball method because rather than focusing on the smallest balance, it focuses on the highest interest rate. Imagine an avalanche, which starts at the highest peak and cascades downward. Similarly, the debt avalanche method requires you pay down the highest interest rate loan first while paying the minimum balance on the rest of your loans. So if you have loans at 7.9%, 6.8% and 4.5%, you would work on eliminating your 7.9% interest rate loan first first, regardless of the balance. Once youâve paid it off, youâll then focus on the 6.8% loan, then the 4.5% loan. I employed the debt avalanche method to pay off my student loans. For me, given my interest rates and student loans balances, it just made sense. Here are the pros and cons of using the debt avalanche method. Pros: You save money on interest (win)! Youâll pay off your loans faster. Cons: It can be hard to sustain motivation. It may feel like it takes forever to pay off the high-interest debt. Debt snowball or debt avalanche: which one is best? Both the debt snowball and debt avalanche methods will get you to the same destination â a debt-free life. Choosing the right strategy for you really depends on your goals and how youâre motivated.