Don’t let a large debt balance drag you into a pit of despair. Instead, break your debt into parts and attack those smaller goals one by one.
There’s no wrong way to do this. Perhaps mentally you look ahead to the payoff date on one credit card at a time, or the amount you plan to put toward your debt each year.
You need to be aware of both the long and the short term in order to think of your debt payoff realistically, but if you can break down your debt into smaller payoff goals, you’ll reduce your chances of getting discouraged halfway through because you feel stagnant.