<prompt> Human: I owe a huge thank you to this sub, you were hard on me a couple yrs ago but told me what I needed to hear, pay off that 16k in CC debt, and do it now and today I paid off the last of it!Of course Im excited, but rather than just share a success story, I wanted to point out how important for me the feeling of success was during this 2 year process. It absolutely was due to the snowball method and with every balance payoff I got a high driving me to keep going as I took that extra money to tackle the next balance. I also frequented this sub, it kept my focus on finances and frugalness. And during this process I also documented everything. So, I guess I just want to let people out there know, that if youre newer to taking control of your finances, want to pay-off debt, and think youll require the physiological boost to keep going I did, I definitely recommend the Snowball method.TLDR; Pay off smaller balances first for earlier psychological wins Frequent this sub to keep your mind in it Document your success along the wayDisclaimer: The Avalanche method will cost you less and is the more recommended method as it saves you money.  <response>: Congratulations on your massive achievement!!Also, that spreadsheet is goddamn beautiful. Im making use of the snowball method to pay down my student loans, and I have a similar but much simpler spreadsheet going to track my progress so I stick with it. Ive zeroed out two loans so far this year with no signs of slowing down. This post is so inspiring! 