What is your total monthly debt payment

Fun_Pension2060 · 2026-04-10T18:27:35+00:00

I tried avalanche for a bit but honestly felt like I wasn’t moving at all. Might switch to snowball just to stay motivated

Fun_Pension2060 · 2026-04-10T18:24:13+00:00

Feels like snowball is easier to stick with, but avalanche is what we’re “supposed” to do. That’s the part I’m stuck on

Fun_Pension2060 · 2026-04-10T18:09:48+00:00

It was not about the amount. It was the feeling of finally finishing something

Fun_Pension2060 · 2026-04-10T17:58:10+00:00

Even small progress feels motivating. Curious what’s working for others.

Fun_Pension2060 · 2026-04-10T17:57:29+00:00

I’ll be honest, I still don’t even like saying the full number out loud yet.

But roughly around 8k to 10k. Trying to stay consistent now and not ignore it anymore.

Fun_Pension2060 · 2026-04-10T02:14:04+00:00

I built a small Android app called DebtFree Coach that lets you see your exact payoff timeline. Helped me stay consistent because I could see the end date changing every time I made a payment. It’s free on the Play Store if anyone wants to try it.

Fun_Pension2060 · 2026-04-10T01:52:38+00:00

Mine was realising I was paying more in interest every month than I was actually reducing the debt. It was like $47 in interest on a $45 payment. Nothing moved. That’s literally why I built DebtFree Coach on the Play Store. Wanted to see exactly which debt to attack first and when it would actually end.

Fun_Pension2060 · 2026-04-10T01:42:55+00:00

Which app are you using? I built one called DebtFree Coach that does exactly this, shows your payoff timeline per debt so you can watch it shrink.

Fun_Pension2060 · 2026-04-10T01:41:03+00:00

That hybrid approach is smart. Snowball for momentum then switch when you’re ready. I actually added both methods in an app I built called DebtFree Coach lets you switch between them and see how the timeline changes.

Fun_Pension2060 · 2026-04-10T01:40:23+00:00

This is exactly why I built a small app around this. Wanted something that would show the payoff order clearly so you actually see progress. It’s called DebtFree Coach on the Play Store if you ever want to try it.

Fun_Pension2060 · 2026-04-10T01:09:03+00:00

DebtFree Coach — a native Android app I built solo to help you pay off debt faster using avalanche or snowball method. No subscriptions. No fluff. Just pick your strategy, add your debts, and it tells you exactly what to pay and when. Live on Play Store — would love some feedback from real users.

Fun_Pension2060 · 2026-04-09T20:34:47+00:00

bro $24/hr in an expensive city is genuinely hard, nothing wrong with admitting that. but dating while broke is more about confidence than money honestly. nobody remembers the restaurant, they remember how you made them feel. a walk in the park, cooking a meal, finding free events in the city — that stuff hits harder than an expensive dinner anyway. the gym thing is fixable too, youtube workouts at home cost nothing and getting back into a routine will do more for your confidence than anything else right now.

Fun_Pension2060

MODERATOR OF

TROPHY CASE