(NewsNation) — The debt “snowball method” could be a helpful process for paying off your debt.

The snowball method focuses on paying off the smallest balance first and building momentum from there.

By taking this approach, it is hoped that dealing with smaller debts will normalize building positive habits toward a debt-free lifestyle. Financial expert Dave Ramsey advises using the snowball method to pay off all debt except your house.

It is not to be confused with the “avalanche method,” where you prioritize paying off debt with the highest interest rate. The avalanche method involves listing your debt from the highest interest rate to the lowest before putting as much money as possible toward the debt with the highest rate.

Taking the snowball approach allows one to “snowball” the amount of debts paid off, which can lead to being debt-free more quickly. Lowering bills or finding new ways to make more money can help expedite the process of becoming debt-free.

Wells Fargo recommends those following the snowball method budget beyond the minimum and roll over payments as debts become less.

While attacking your lowest debts, Nerdwallet suggests it is wise to also try and find lower interest rates on bigger, higher-interest debts. This can be achieved via debt consolidation.