I just read (and commented) on the number crunching result post that comes after this (reading things out of order), but it sounds like you’re fully aware of the “psychological effects” argument bouncing around here. I suppose you can tweak your spreadsheet to give you a similar effect…. If you add in the savings columns, and subtract the growing savings balance from your total debt - you can still “watch” the debt number going down each month, even though the balances are still on the cards. This might also help prevent tapping into the savings for “emergencies.” Just a thought.