canterbury tales · canterbury tales a covenant protected community next hoa meetings tuesday,...

Canterbury TalesA Covenant Protected Community

Next HOA Meetings

Tuesday, October 6th, 7:00 p.m.Tuesday, November 3rd, 7:00 p.m.

2021 Canterbury HOA Dues - $75.00CHOA, P.O. Box 621382, Littleton, CO 80162 or pay online at HOACanterbury.com

Due Date: November 1, 2020.

Name:_______________________________________________ _________

Address:_______________________________________________________

Phone Number:_____________________________________________________

Email Address:_________________________________________________(Why we ask? Just in case there is an announcement and we need to

get information to homeowners quickly. We promise we will not abuse this.)

October 2020 Vol. 23 No. 10 • Circulation: 385 Canterbury Calendar of EventsWine Club: Monthly. 2nd Sat. @ 6:30 p.m. Tom Daniels - 720-272-0030 or Linda Daniels - 720-552-4628

Halloween Decorating Contest: Oct. 1st - Oct. 30th

Holiday Hayride: December 6th, 5 p.m. - 7 p.m.

For more info, see our website at HOACanterbury.com

Maybe some women aren’t meant to be tamed.

Maybe they just need to run free until they

find someone just as wild to run with them. —Candace Bushnell

National Substance Abuse

Prevention Month An observance that highlights the vital role of substance abuse preven-tion in both individual and community health—and to remember those who have lost their lives to substance abuse. The Office of National Drug Control Policy encourages prevention efforts this month and all year long to ensure the health of teens and young adults.

Loud Cars and Barking Dogs Can Be Annoying. Please Be

A Considerate Neighbor.Food Trucks Coming to Chaucer Park

Be prepared. The Food Trucks are coming to Chaucer Park twice a month on Wednesday through the end of the year on the following dates: October 14th and 28th, November 11th and 25th, and December 9th and 23rd.

Ordering is easy and conducted online so all you have to do is pick up what you ordered at Chaucer Park. Online ordering and pickup start at 5 p.m. and end at 7:30 p.m. There will be an email blast that goes out on

Monday of the week that the Food Truck is scheduled with the name of the Food Truck and a link for online ordering and payment. If you have not subscribed to the Canterbury email blast, you can sign up on our homepage at http://hoacanterbury.com as this is a great way to be immediately informed and kept up to date on what’s happening in our neighborhood.

Annual Canterbury Homeowners Association Meeting Scheduled

for October 6th The Canterbury Homeowners Annual Meeting is scheduled to be held at Chaucer Park on October 6th at 5:30 p.m., weather permitting. We have chosen this outdoor location so that attendees can wear a mask and practice social distancing. Alternative arrangements may be undertaken to hold the Annual Meeting should weather and/or Safer at Home restrictions change. Besides a review of what has been accomplished this year and plans for next year, there will be guest speakers on the program to provide information on what is happen-ing within Southern Jefferson County. The Board has invited the Crime Prevention Deputy for Jefferson County Sheriff who will discuss the recent wave of crimes and things we can do to improve the safety of our community. Hope to see you at the 2020 Annual Meeting!

2020 Board MembersCanterbury Homeowners Association

P.O. Box 621382 • Littleton, CO 80162www.HOACanterbury.com

President: Karen Mulberry . . . . . . . . . . . . . . . . . . . . . .303-904-0199 Vice President: John Anthone . . . . . . . . . . . . . . . . . . . .303-717-9653Secretary: Steve Barnes . . . . . . . . . . . . . . . . . . . . . . . . .720-289-6574Treasurer: Lou Ann Kelleher . . . . . . . . . . . . . . . . . . . . .303-349-0612 At Large: Heather Taylor. . . . . . . . . . . . . . . . . . . . . . . .720-217-1315At Large: Chris Haller . . . . . . . . . . . . . . . . . . . . . . . . . .614-506-2892At Large: Charles Ignatavicius . . . . . . . . . . . . . . . . . . .505-301-6827At Large: Tom Daniels . . . . . . . . . . . . . . . . . . . . . . . . .720-272-0030

Contact us by email at:[email protected], [email protected]

[email protected], [email protected]

Welcoming: Jenelle Bezdek/Natalie Cushman . . . . . . . 303-668-6970Maintenance: Tom Daniels . . . . . . . . . . . . . . . . . . . . . .720-272-0030 Architectural Control Chair: John Anthone. . . . . . . . . .303-717-9653 Covenant Control: John Anthone . . . . . . . . . . . . . . . . .303-717-9653Website Manager: Chris Haller . . . . . . . . . . . . . . . . . . .614-506-2892Events Coordinator: OPENTales Editor: Sharon Brigner. . . . . . . . . . . . . . . . . . . . .303-979-4400Tales Delivery: Barb Little . . . . . . . . . . . . . . . . . . . . . .720-323-6589

The Canterbury Tales is published monthly by the Canterbury Homeowners Association, a non-profit homeowners association. The newsletter is distributed by block leaders.

News ArticlesThe deadline for news articles is the 15th of the month before the next month’s issue, except for the Jan. issue which is Dec. 10th. Please email news articles to the editor at [email protected]. All “Letters to the Editor” must be signed and include a daytime phone number in case there are any questions. Letters may be printed without the author’s name if requested.

AdvertisingThe deadline for advertisements is the 15th of the month for the next month’s issue, except for the Jan. issue which is Dec. 4th.

To place an ad, call Colorado Lasertype, 303-979-7499.Email: [email protected]

To find ad rates and discounts, go to www.ColoradoLasertype.com

and click on the “Advertising Rates” link.Appearance of an advertisement in this publication does not

constitute a recommendation or endorsement by the publisher or the association of the goods or services offered therein. The opinions expressed in this newsletter are those of the individual authors and not of the Board of Directors of your association or the publisher. Neither the Board, publisher nor the authors intend to provide any profession-al service or opinion through this publication.

Jefferson County Contact Info Animal Control: 303-271-5070 or report to [email protected] Info Hotline (fire restrictions, fireworks): 303-271-8200Foothills Parks & Rec (Chaucer Park): 303-409-2100 or www.ifoothills.orgParking (parking problems, abandoned vehicles): 303-277-0211Road & Bridge (street/potholes, sidewalk, snow/ice issues): 303-271-5200Sheriff (non-emergency): 303-980-7300 or [email protected] (recurring neighborhood issues): 303-271-5677

Canterbury Tales / October 2020

Summary of the September Board Meeting • Financial Report - HOA Dues have been submitted

from 233 homeowners as of September 1st which matches the HOA dues collection from this time last year. Eighty-nine of the HOA dues payments were submitted online through PayPal, making this a very effective form of payment. A total of 41 homeowners to date who have submitted more than the $75 per year amount for a total collected of $1575.

• Architectural/Covenant - There was one Architectural Control request this month for a new paver driveway on W. Vista View. There were no objections and the proposal was approved. There were four Covenant complaints - two for a RV and for a trailer parked in the driveway - a letter was sent to each. One for weeds and an overgrown lawn on S. Owens way - a letter was sent out and the homeowner agreed to clean up the yard. One for a storage unit placed such that it was blocking the corner stop sign. Storage unit owner stated that unit would be moved soon.

• Maintenance - Foothills has completed the Chaucer Park work. The grass in the park is looking great now. Will monitor dying pine tree but it looks like it will need to be removed.

• Website - The Calendar of Events is all up to date. The address for the HOA web site is (www.hoacanterbury.com).

• Welcoming and Real Estate - Home sales in Canterbury have been very strong this year and several new listings are on the market.

• New Business - The Board decided to add a second monthly date for Food Trucks so now they will be at Chaucer Park every 2nd and 4th Wednesday of the month from 5:00 to 7:30 p.m., weather permitting. Also, the Board is considering adding a third dumpster for dumpster day which is scheduled for September 19th. A shredder has also been reserved for this event for homeowners who want to shred documents.

• Committee and Events - In October, the Halloween Event will consist two separate contests - one for dec-orated home and the other for the best carved pumpkin on the front porch.

• The Annual HOA meeting is scheduled for Chaucer Park at 5:30 p.m. on Tuesday October 6th. The meeting is being held there in an outside venue for Covid con-cerns and is starting earlier than usual while conditions are still light outside. There are a couple of Board mem-bers who are leaving so there will be open positions on the Board.

Free Speech Week Oct. 19–25. A yearly event to raise public awareness of the importance of freedom of speech and of the press in our democracy, and to celebrate that freedom. Individuals, schools, and all types of organizations are encouraged to recognize and celebrate Free Speech Week.

October 2020 / Canterbury Tales

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Weekends on Main In partnership with the Historic Downtown Littleton Merchants Association (HDLM), and thanks to generous grants from the Colorado Department of Transportation and a local foundation, Weekends on Main will continue every Friday at 5 p.m. to Saturday at 10 p.m. through the Halloween weekend. The concept was created to help restaurants obtain addi-tional seating outside to compensate for the seating lost inside due to social-distancing requirements. New for the fall edition of Weekends on Main will be more to see and hear including live music and artist demonstrations. Watch for more special surprises on this page, and on the HDLM website. Masks and social distancing are required in compliance with public health orders.Participating Restaurants • The Tavern • Palenque • McKinner’s Pizza Bar • Pho Real • Born2Bake • The ViewHouse Eatry, Bar & Rooftop • Smokin Fins • Jackass Hill Brewery • Grand Station

—https://www.littletongov.org/connect-with-us/week-ends-on-main?instance_id=4942

• iN-TEA • Jake’s Brew Bar & Beer

Garden • The Alley • Ned Kelly’s Irish Pub • Curds Cheese & Nook

Coffee • La Vaca Meat Company • Maha Soul Yoga Studio

The Great Solstice Conjunction: Look Ahead To December The Great Conjunction is a rare arrangement of our largest planets, Saturn and Jupiter. They come so close together that they appear as one giant and brilliant celestial object. The Great Conjunction happens every 20 years and starts the decades. It’s been linked to great luck and terrible curses. This conjunction has been the source of folklore for centuries, as well as modern day stories and movies. In 2020, the Great Conjunction will be a true phenomenon. The large planets will appear closer than they have since before 1000 AD, and it won’t happen again until the year 7541.To say it’s a rarity is an understatement, and this very special year, it also happens on the winter solstice. Join us in our riverside open space after sunset to view these two planets become one on a truly historic night. Campfire, storyteller, telescope viewing and refreshments included. No pets or tobacco. Household rates is for 2 adults and up to 3 youths at the same address. Under 16 must be with registered adult. When using family rate, make sure to select “Family Rate” for one individual, then add rest of family at “Family Member” rate.

—Contact: [email protected]

The one permanent emotion of the inferior man is fear—fear of the unknown, the complex, the inexplicable.

What he wants above everything else is safety. —H.L. Mencken


434343

MARKET ON YOUR CALENDAR

M E T R O D E N V E R

FARMERS’ MARKET

Check out our great recipes online!

SaturdaysSOUTHWEST PLAZA

MAY 2 - OCT. 31Southeast Parking LotWadsworth & Bowles8am-2pm or Sellout

SaturdaysLAKEWOOD

JUNE 13 - SEPT. 26Mile Hi Church

9077 W Alameda Ave10am-2pm or Sellout

SundaysHIGHLANDS RANCH

MAY 3 - NOV. 1Highlands Ranch Twn Ctr.

9288 Dorchester St.10am-2pm or Sellout

WednesdaysLITTLETON

JUNE 17 - SEPT. 30Aspen GroveLifestyle Ctr.

7301 S. Santa Fe Dr.10am-2pmor Sellout

SundaysREUNION

JUNE 14 - SEPT. 27Reunion Rec. Center

17410 Parkside Drive N.10am-2pm or Sellout

For more information call theMetro Denver Farmers’ Market Hotline

303-887-FARMwww.denverfarmersmarket.com

Always check before you plan your day out this fall as times, procedures and schedules are constant-ly being updated because of covid 19. Prices, hours and participating locations may vary. Some events and activities are still being canceled or postponed. Please verify all events with the business or venue, before ordering or making plans.

ANDERSON FARMS, ERIE“Bee Kind” maze for 2020 Confirmed for 2020. Kids (and the young-at-heart) can explore the humongous 25-acre corn maze — this year’s theme is Bee Kind, take a wagon ride to the pumpkin patch, play with farm critters, whoosh down the combine slide, race Barnyard 500 Pedal Karts, climb a tire mountain, explore a rainbow maze and Fort A-Lot-A-Fun and more. Open daily: Check online schedule. Tickets: $12 for ages 4 and older. FREE for 3 and under. For some scares check out Terror in the Corn, an evening haunted ghost town and hayride. Tickets are $27. ($30 on Friday & Saturday). Zombie Paintball Hunt is an evening wagon ride equipped with paintball gun for each passenger. Tickets are $25. ($27 on Friday & Saturday). No combo passes this season. Opens September 25 through October 31. 6728 County Road 3 1/4, Erie, 303-828-5210.

COTTONWOOD FARMS PUMPKIN PATCH, BOULDER Confirmed for 2020. Family farm located just north of Lafayette, sell-ing pumpkins and fall produce. Play in the four-acre corn maze or straw bale maze, check out a steam engine and farm equipment and see farm animals including Rocco the donkey and Bentley the miniature horse. Wagon rides for $5 on October weekends for cohort groups only. All children must be accompanied by an adult. Children 5 and under ride free with parents. You will sit on straw bales on a real farm wagon pulled by a tractor. Admission is $5 daily to access the pumpkin patch including corn and straw maze. Children 5 and under and seniors 65+ are always FREE (including corn maze and wagon rides). Reservations are not required for individuals and families, but prepaid admissions are encouraged. Open daily 10 a.m. to 6 p.m. Opens September 26 through October 31. 10600 Isabelle Rd. (Highway 287 & Isabelle), Lafayette, 720-890-4766.

DENVER BOTANIC GARDENS CHATFIELD FARMS CORN MAZE, LITTLETON Confirmed for 2020. Seven-acre corn maze. Mini maze for the little ones. View the design from two 15-foot tall illuminated bridges. Open Fridays, Saturdays & Sundays. from 9 a.m. to 7 p.m. Tickets: $12/adults, $10 seniors, military and students with ID, $10/adult members, $8/children (3-12), $6/child members. Opens September 18 through October 31. 8500 West Deer Creek Canyon, 303-973-3705.

Denver Metro Area Pumpkin Patches, Mazes and Hayrides

continued on page 5


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FLAT ACRES FARM, PARKER Confirmed for 2020. Tons of the things to do includ-ing corn maze, Kids Hay Bale Maze, duck races, giant Jenga, hay ride, bounce houses, jump pillow, corn hole, corn kernel boxes, swing set, climbing wall, petting zoo and more. Pick out that perfect pumpkin in the pump-kin patch. fall decorations. Also for sale: corn stalks, straw bales, and gourds. Every visitor receives a free mini-pumpkin or mini-gourd. Open Wednesday through Sunday from 10 a.m. to 6 p.m. Ticket prices TBD. Check website for info: $14 for ages 3 to 64. Seniors 65+ $5. Military get 20% dis-count. Opens September 26 through October 31. 11321 Dransfeldt Rd., Parker.

FRITZLER FARM PARK, LA SALLEFritzler Farm Park’s 2020 corn maze. Confirmed for 2020. More than 20 attractions includ-ing 15-acre corn maze, plus jumping pillow, slide moun-tain, barrel coaster, Verti-scope, pumpkin patch, corn box, pig races, pedal go-karts, arcade and pumpkin cannon. New for 2020: a sunflower field to explore. Family-friendly during the day. Scream Acres for adults only at night. Hours and days vary. Tickets: General admission $16.95 (when purchased online), $19.95 (at the gate) or season pass (unlimited admission all season long) $49.95. Opens September 19 to October 31. 20861 CR 33, 970-737-2129

MILE HIGH FARMS, BENNETT Confirmed for 2020. Two corn mazes, a petting zoo, antique tractor hayride, pumpkin patch, barrel cart rides, corn pits, playground, enter-tainment and concessions. Extra charge for pumpkins and vendor food. Open every Saturday & Sunday in October from 10 a.m. to 6 p.m. Tickets: $15/adults, $10/kids (4-12), seniors (60+) & military, FREE for kids 3 and younger. Opens October 3. Closes October 24. 11 Cavanaugh Rd, Bennett, 303-344-2676.

MUNSON FARMS, BOULDER Confirmed for 2020. Starting in September, wander the huge pumpkin patch for FREE to pick your own, and pay by weight/size. Specializes in 10 varieties of heirloom pumpkins. Open daily from 9 a.m. to 6:30 p.m. Already open. Valmont Rd. & 75th St., Boulder, 415-298-1500

THE BEE HUGGER, LONGMONT Confirmed for 2020. Hosts a U Pick pumpkin patch and other fall activities. Starting the first week of October, there are pumpkins for picking, an end-of-season sunflower field with spooky surprises, a haunted VW Bug Yard, animals to feed, and many more unique fall findings. On weekends you can take a hayride around the farm and ride a miniature horse, Lobo (10 a.m. to 1 p.m.) Entry is FREE with small fees for some activities. Shop by the VW bus shop for local honey, bees wax, and other farm harvests. Open 8 a.m. to 8 p.m. daily. Already open. 12590 Ute Hwy., Longmont

—https://www.milehighonthecheap.com/corn-mazes-pumpkin-patches-denver-colorado/

Pumpkin Patches, continued from page 4


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Please thank your neighborhood and/or blockworkers for the delivery of the newsletter each month.

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Keep Your Family Healthy At Home Trying to keep your family in the midst of the COVID-19 pandemic is more than a matter of washing hands and wearing face masks, important as those are. Here are some tips from the India.com website for maintaining a healthy lifestyle while hunkered down at home: • Stay away from junk food. Binging on cookies

and other snacks may feel comforting during times of stress, but unnecessary calories will lead to other problems in children and adults alike—obesity, high cholesterol, hypertension, and the like. Make sure you have plenty of fruits and vegetables and low-calorie snacks to avoid the urge to overindulge.

• Keep track of screen time. If they can’t go to school every day, chances are your kids will spend more time in front of the TV, computer, and other devices like tablets and phones. This can lead to headaches, poor eyes, insomnia, and other prob-lems. Set rules for screen time, and provide oppor-tunities for different kinds of play—board games, puzzles, and “field trips” to your own backyard.

• Maintain a healthy sleeping routine. Good sleep is essential to good health. Put your children to bed at a reasonable hour every night, and don’t let them oversleep just because they aren’t going to school that day. Make sure they put down their gadgets for a while before going to bed to help them get to sleep and stay asleep.

Empathy Rises In Face Of The Pandemic Working from home presents employees with many struggles, from child care to virtual meeting fatigue. But it has a few upsides, according to a report from Microsoft. Among them: increased empathy for colleagues working from home. Overall, 62% of 2,000 remote workers in six countries surveyed by Microsoft reported feeling more empathetic to their co-workers now that they have a better idea of what WFH is like. The response was highest in China, with 91% reporting high empathy, followed by Mexico (65%), the U.S. (61%), Italy (54%), the U.K. (51%), and Germany.

This Space Intentionally Left

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Carpet & Upholstery Cleaning. Low moisture - Fast drying - No residue. MorrisonFloorPro Larry 303-809-7929. Tom’s Top Notch Painting: Interior/Exterior, Drywall Repairs, Handyman & Interior Decorat-ing Services available 303-523-2941Mike the Plumber - Your reliable neighborhood plumber for 14 yrs. Competitive rates. Free es-timate. 720-422-8139

Highlands Pride Ptg, Inter/Exterior- 303-738-9203 Lisa’s Music Studio. Piano, Guitar, Banjo, Ukulele, Viola, Violin, Cello, & Drums. Virtual Lessons Of-fered. 303-883-1157. Aminals Petsitting Service - Pet sitting (in your home). Bonded & ins. Refs. avail. Call Nancy & Rick (Owner/Operator) at 303-335-6237.Columbine Tree - Trimming & Removal. Stump grinding. 50+ yrs exp. 303-979-5330.

Classified ads are $4.00/line (about 40 characters/line). Contact Colorado Lasertype at 303-979-7499 or [email protected] to place an ad. To view our display ad prices, visit our website at www.ColoradoLasertype.com. The deadline for placing a classified or display ad is the 15th of the month for the next month’s issue (i.e., 15th of Sept. for Oct. issue), except the January issue, which has a deadline of December 7th. Residents placing ads to sell household items are not charged a fee.


CLASSIFIEDS: The perfect way to find local professionals to work on your house! You can also find activities, sale items and more!

Find more professionals to suit your needs on our Service Provider Directory at www.coloradolasertype.com.

Changing Trends In The Workforce Thanks To Covid-19 The shape of work is changing in the midst of the continu-ing coronavirus outbreak. It’s not likely to change back soon, either—if ever. Here’s what the Entrepreneur magazine web-site predicts for the future of work: • Remote work will take hold. Organizations are rec-

ognizing that much of the work employees perform doesn’t have to happen in the office. This can poten-tially save some expense on office space rental while allowing greater flexibility in managing the workflow. It also gives employees an opportunity for better work/life balance, as long as they don’t let work overwhelm their home life.

• Technology will be more omnipresent. The digital rev-olution has already transformed how work is done in many ways. Expect that to continue, as virtual meeting apps like Zoom replace many in-person meetings, more events are held virtually, the ability to share work online becomes more seamless, and everyone gets more com-fortable using technology to get things done.

• Millennials will grow in influence. The younger gen-eration that’s grown up with smartphones and tablets are already savvy with the new tools that are available. Older workers will have to educate themselves on what’s new and what’s next, or risk getting left behind. Employers will have to understand that millennials place a high value on flexibility and work/life balance, and they’ll have to accommodate those values if they want to hang onto valuable talent.

• The workforce will be more scalable. Employers will be looking for ways to manage the size of their workforce more efficiently. They may rely more on contract work-ers and short-term assignments, and workers will have to adjust to a “gig” economy to stay useful.

Creativity is just connecting things. When you ask creative people how they did something, they feel a little guilty

because they didn’t really do it, they just saw something. It seemed obvious to them after a while.

—Steve Jobs

HALLOWEEN CANDY DONATION!

Drop off individually wrapped candies for our HEROES at the local Fire Stations. You can drop your donation off at 7190 S. Newcombe St in Littleton between November 1st and 8th. The Action Jackson Real Estate Team will give you an update in the December issue.

Ask Lori about her HERO rebates as her way to say THANK YOU with Selling or Buying your home.

October Home Maintenance: Keep the leaves from building up in gutters,and make sure that gutter drains away from the house.

Call me for all of your Real Estate needs!

Contact me at: 303-910-8505Email: [email protected]: ActionJacksonRealEstate.com

LORI JACKSON,LORI JACKSON, Realtor, NEIGHBORHOOD SPECIALIST


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Free Museum DaysOctober • Friday, Oct. 2 — Museo de las Americas (5-9 p.m.) • Saturday, Oct. 3 — Museum of Contemporary Art Denver

(Penny admission for Colorado residents) • Sunday, Oct. 4 — Museum of Boulder • Tuesday, Oct. 6 — Children’s Museum of Denver at

Marsico Campus (4-8 p.m.) and Denver Art Museum • Friday, Oct. 9 — Four Mile Historic Park • Sunday, Oct. 11 — Denver Museum of Nature & Science • Tuesday, Oct. 13 — Clyfford Still Museum • Tuesday, Oct. 20 — Denver ZooNovember • Sunday, Nov. 1 — Museum of Boulder • Tuesday, Nov. 3 — Children’s Museum of Denver at Marsico

Campus (4-8 p.m.), Denver Botanic Gardens Chatfield Farms and Kirkland Museum of Fine & Decorative Art (Free with “I voted” sticker)

• Friday, Nov. 6 — Museo de las Americas (5-9 p.m.) • Saturday, Nov. 7 (Night at the Museums) — Museum of

Contemporary Art Denver (Penny admission for Colorado residents), Denver Art Museum, , History Colorado Center, Clyfford Still Museum, Black American West Museum & Heritage Center, Wings over the Rockies Air & Space Museum and more.

• Tuesday, Nov. 10 — Denver Zoo • Saturday, Nov. 7 (Night at the Museums) — Denver Art

Museum, Denver Museum of Nature & Science, History Colorado Center, Clyfford Still Museum and more will be free from 5-10 p.m.

• Monday, Nov. 9 — Clyfford Still Museum • Wednesday, Nov. 11 – Denver Botanic Gardens York

Street and Molly Brown House Museum • Friday, Nov. 13 — Four Mile Historic Park • Saturday, Nov. 14 — Denver Zoo • Thursday, Nov. 19 — Denver Botanic Gardens

Chatfield Farms Always check before you plan your day out this fall as times, procedures and schedules are constantly being updated because of covid 19. Prices, hours and participating locations may vary. Some events and activities are still being canceled or postponed. Please verify all events with the business or venue, before ordering or making plans.

Snowball Approach To Debt Many of us are dealing with staggering debt these days, but that doesn’t mean you should just give up. On the Kare11 website, financial advisor Justin Halverson of Great Waters Financial tells how to take control of your debt instead of drowning under it. It’s called the snowball method: “Start by organizing your debts to determine your lowest balance,” Halverson says. “Make the minimum payment on your other debts and use any extra money to pay off your smallest debt. Then pay off your next smallest debt. Like a snowball rolling down a hill, you will build momentum to tackle your debts until they are paid in full.”

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