Man, you hit the nail on the head. Cutting up the cards is so symbolic and cathartic. It’s like saying, “not today, mate, not adding up more to the pile.” Couldn’t agree more on prioritising high-interest debts too, that’s the dragon you gotta slay first.
Weird as it sounds, when I was in that deep end, my grandmother’s hand-knit blanket was my comfort source, I would just collapse under it thinking things out, man. It was tough, still remember the nights clearly.
Just as you said, it’s one day at a time. You got this! And remember, it’s perfectly okay to seek out professional help if things get too heavy. Worked wonders for me. Hang tough, my friend. It’s a journey. Remember, Rome wasn’t built in a day.