Generate a full detail guide on the 'Debt Snowflake' method. The guide should be motivational and focused on small wins. It must include detailed sections on: 1. A clear explanation of the 'snowflake' concept (small, extra amounts of money). 2. A list of 15 ways to find 'debt snowflakes' in your daily life (e.g., using a coupon, getting a rebate). 3. A step-by-step guide on how to immediately apply these small amounts to your debt. 4. A section showing the surprising long-term impact of these tiny payments. Please include a supportive disclaimer.