How EXACTLY Does Snowball Work?

David ChristinoFinancial Tech

Simple checklist to guide user through setup

The Snowball App is now available exclusively for iOS in the App Store and we would like to extend a heartfelt “Thank You” to all of our early adopters. Because of you, the release of Snowball has been a huge success. We knew when we were creating Snowball there was a need for it, and if we did it right, … Read More

2019’s Best Personal Finance Apps

David ChristinoFinancial Tech

When we thought about the best personal finance apps we wanted to choose those that would take an individual from being in debt to financial freedom. Starting with the analysis of monthly spending, then earning more money and finally how to make that money grow. It’s not a magic bullet, it will take time, but the payoff is worth it. … Read More

5 Common Sense Steps

David ChristinoDebt Free

There is no magic bullet for getting out of debt. It is a conscious effort and may require a bit of hard work to achieve. Here are some realistic approaches to start down the road to financial freedom. When focus is put into saving money each month, creating additional income streams and applying that additional income in the right place, … Read More

$3.00/Day to Save $34K in Interest

David ChristinoNews

What if every day you put $3.00 in a savings account, and that savings account returned 5% per year, how much would you have at the end of 30 years? Roughly $65,000 (gain of approximately $33,000 including taxes), all that $ for less than the cost of a Starbucks each day. So why doesn’t everyone do this? Most people try … Read More

iOS App Saves $24k for a Few Dollars a Day

David ChristinoNews

Did you know that the average American household carries $15,654 in credit card debt? Did you also know that the average interest rate for credit cards is 15.07%? That means the average American household is paying approximately $2,359.06 in credit card interest each year. These are rough numbers, but hopefully it illustrates that debt pay off is a problem for … Read More

What Would You Do With $1,000?

David ChristinoDebt Free

Okay, it’s not a life changing amount money, but it could be just enough to set you on the path to financial freedom. Let’s take a look at a few constructive ways to apply $1,000 and have a significant impact on your future This is part of Dave Ramsey’s “Baby Step #1 – Save $1,000”. It’s advisable to have 6 … Read More

Dave Ramsey – Pay off all the debt

David ChristinoNews

Dave Ramsey discusses his 2nd step to financial freedom… Paying off all debt but the mortgage. Sometimes it’s difficult to make a large extra payment toward credit cards every month. Snowball reduces the need to budget this extra payment by sending small amounts to your credit card company every few days. A maximum monthly dollar amount can be set. It’s … Read More

Tony Robbins – Shares Simple Financial Advice

David ChristinoAdvice

Tony Robbins is the founder of several companies with annual sales in excess of $5 billion. In 2015 and 2016 he was listed on the Worth Magazine Power 100 List. He has done well and shares his wealth as an active philanthropist, partnering with organizations such as Feeding America I’ve got access to the smartest financial people in the world. … Read More

Snowball Update

David ChristinoApp Support

We have received a lot of constructive feedback from the Snowball Ballers. We have heard what you like about Snowball and how it’s working for you, which we LOVE! We have also received many suggestions on what you would like to see changed, and guess what…We LOVE that too! Many Ballers expressed that after Sign Up, Snowball immediately started to … Read More

The Credit Score Effect

David ChristinoCredit Score

Some people may wonder how payments toward credit card balances affect credit score. If I pay only the minimum payment, will this negatively impact my credit score? How much more do I need to pay in order to positively affect my score? Because exact credit score algorithms are a closely guarded secret, it’s hard to give an answer with absolute … Read More