Wikipedia defines the snowball effect as following :” A Process that starts from an initial state of small significance and builds upon itself, becoming larger (graver, more serious), and also perhaps potentially dangerous or disastrous (a vicious circle), though it might be beneficial instead (a virtuous circle)” You can easily identify the snowball effect with respect to your thought process…..Say something is disturbing your mind…like the pending debt. The mind depending on who you are, would start this ball rolling by adding consequences to the scenario of not paying up the debt resulting in a disturbed feeling of helplessness. The next time something or someone is bothering you, stop at once to think if you are gathering the mental snowball. At that point you got to stop your thoughts on the issue and instead focus on the action…for example to identify the ways to clear up your debt. And this is not easy…but at the least the self-awareness