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Are You A Snowflaker?

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Do you pay attention to the little things? Is your brain fascinated, daresay obsessed, with details? If you believe the small things count as much as the big things, you might already be a snowflaker and not know it, or at least, are well on your way to becoming one.

The idea of snowflaking is simple – put forth effort to either save small extra amounts of money or earn small extra amounts of money above and beyond your normal earnings, and then put that money to work for you in a systematic fashion. What you decide to do with the money is up to you – in my life, our goal is to get out of debt so I snowflake to debt reduction, but you can snowflake to savings, investments, or any other endeavor that is in line with your financial values. The key is to create opportunities to snowflake above and beyond your normal spending, saving, or debt reduction plan.

Many people already practice concepts of snowflaking, or are indeed a snowflaker, without even realizing it. If you make every dollar count, and put your extra earnings and savings to use for you, you’re already snowflaking!

If you aren’t already a snowflaker, how can you become one? Simply start noticing the little things. Do you consistently check prices on the staples of your shopping list for the best deal? Do you have extra time you could devote to developing another income stream? Do you know all the details of your insurance policies and are confident you have the right coverage for the best price? There are many places where you may be able to save a little more than you think, and multiple ways to earn a little extra income. I focus a lot of my frugal efforts on cutting our variable expenses, specifically food and gasoline. I’ve learned to combine trips and think thoughtfully about how much I use our car, and I have spent a lot of time developing a system for getting the best prices for the food we eat (which is still a work in progress!). As far as developing extra income, I have sold a number of our possessions that we no longer use through both eBay and craigslist, and I also do online surveys in my spare time for select companies, as well as writing my blog which also earns a little side revenue.

Trying to see the big picture with such small amounts can be discouraging. It is hard to feel like you are making any progress with your savings or debt reduction goals when the numbers look so tiny. That is why tracking those details is so important. When you look at one snowflaked amount, it might seem pointless. But practicing this systematically and continuing to work to find new ways to create snowflakes adds up much faster than you might think. In my budgeting sheet I have a column just to track snowflakes. Some months it may only add up to an extra $50, but some months it can be several hundred or even break a thousand dollars, all told. It may not seem like much individually, but snowflakes working together can create quite a snowstorm.

Anyone can snowflake. Examine your life and see if you are living it according to the financial values you hold and are striving towards meeting your goals and dreams. If you feel like you could be doing a little more, give snowflaking a try. You might be surprised at how important the little things can be.

This guest post if by paidtwice of I’ve Paid For This Twice Already… a blog focusing on debt reduction and making small changes in your life for big rewards. Subscribe to her feed so you don’t miss a thing! And if you’re also a snowflaker, you may want to check out her Snowflake Revolution.

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3 Responses to “Are You A Snowflaker?”

  1. paidtwice says:

    Thanks for hosting my guest post! I hope you are having an amazing honeymoon :)

  2. A great way to accelerate your snowflake strategy is to find ways to increase your income (get a payrise, take a second job or work extra hours, start a blog or a business on the side) and take at least 50% of that extra income and apply it first into your Snowflake debt reduction stategy THEN into your investment plan instead of just spending 90% – 100% of it as most people do.

  3. Adfecto says:

    I am only a snowflaker when I have “found money” show up. I use a zero based budget so at the beginning of the month I allocate all of my expenses, spending money, and savings so that it comes out to zero. Thus I make my alloted debt payments as soon as the paycheck rolls in, and then I make one large debt payment for the month. If I were to get some extra money somewhere in the middle of the month that I hadn’t included in my prior budget I usually let myself spend some of it (10-20% as a windfall splurge) and then send all of the rest to the credit cards (so in a way that would be a snowflake payment).


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