 In other words, morality has no foundation without religion, and to be specific, Christianity. If you've decided to take the bull by the horns and start paying off your debt, good for you. Hi, I'm Rob West with today's Faith and Finance Minute. You've got two great options for doing it, the snowball method and its big brother, the avalanche method. The snowball method is paying extra on the smallest balance first. The avalanche method pays extra on the highest interest rate first.