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Debt feels overwhelming when you treat it as one massive problem. Breaking it down is what makes progress possible. The snowball approach works because it focuses on behaviour first, not perfection. Listing debts from smallest to biggest gives you quick wins. Those early wins matter more than people realise because momentum is a real thing. Reducing expenses to something liveable is crucial. This is not about punishment or extremes. It’s about creating space to make progress without burning out.
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