<prompt> Human: 23, working in construction for 19hr, steadily hit 40 hours a week and Digging my way out of about 12,000 in CC and Loan debt, after not really paying for a couple years. For the last 8 months, Ive made some lifestyle changes quit smoking, no more energy drinks, less beer in order to afford 300-400 a month to pay these off. Its been tough but Im still going strong. But its almost depressing to watch my account go down by 800 in a matter of seconds. Just wondering if anyone has any tips to motivate yourself or ease the pain, if you will. Breakdown: Income - 800-1200 biweekly Expenses- Utilities 500ToolsMaterialGas 250 CCLoans 300-400  <response>: Charts and graphs!I use You need a Budget and I get a graph of my net worth. I set small goals for myself to see it change over time. It increases when I pay down debt and when I spend less increase savings. Seeing it go from a negative number to a positive number was a big boost even though Im still paying debt. 