<prompt> Human: Just did the calculations on excel for all CC debt and carvehicle loans totaling about 48k. I am projecting a December 2014 complete payoff. This however doesnt factor in interest on top of principle, but, I think I can get this all paid off in 24 months.I love seeing the progress, which is why I will be keeping track of it all. Its like a game.Two questions...how do I not be a money nazi to my wife?...and two...how do we stay sane during this process? We would still like to enjoy life a little bit during the process.  <response>: Two questions...how do I not be a money nazi to my wife?...and two...how do we stay sane during this process? We would still like to enjoy life a little bit during the process.Pay it off in 36 months and budget some entertainment in every month. At a conservative 10 avg interest rate on 48k, youre looking at 2100 ish a month just in debt payment. Im assuming your take home is only enough to cover expenses and the debt payment. Theres a psychological toll to living on a shoestring budget. Its hard to do. Its even harder if you have to consider your spouses feelings on the matter. Its not going to be a game for your wife. Its going to be 24 months of stress. Be cognizant of that. 