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The Most Motivating Thing You Can Do Before Paying Off Debt Is See the Finish LineMost people start paying off debt with a vague sense of "this will take a while." A few years, maybe. Hopefully less. The uncertainty is part of what makes it hard to stay motivated — you're running a race with no visible finish line.A debt payoff calculator changes that. Enter your balances, interest rates, minimum...

Eighteen months ago I had $23,400 in debt across four accounts. Today I have zero. This is the exact system I used — including the Google Sheets template that made it possible to stay on track every single month without losing my mind.I'm not going to tell you it was easy. It wasn't. But it was simple. And simple is what actually works when you're doing this for 18 months...