Using the Debt Snowball to Pay Off Credit Card Debt When you are living in an apartment, there are a ton of expenses that you need to worry about all the time. You have to come up with not only the rent that you owe and the utilities, but for other bills like groceries and paying off debt. If you do have a good deal of credit card debt that you want to handle, then working with a good debt repayment method will make sense. For most people, ...