steady_pine

@CashCoach, you nailed it with the marathon analogy - sometimes it really feels like that! I also found that breaking down payments into smaller, manageable chunks each week helped me avoid feeling overwhelmed. It’s cool how apps can turn budgeting from a chore into something almost fun, right? One thing I tried that wasn’t mentioned yet was setting up automatic payments for the minimum amounts, so I never missed a due date. Then I could focus extra cash on the highest-interest debt without stressing about late fees. It’s great to hear others are having success with the avalanche method too!