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Ive been paying down debt and to pay down debt I literally just been paying things and just throwing money at my expenses you know as I get extra money coming in however if you look at the debt snowball tracker it helps you to really see from January all the way through December and this is what Im going to do for 23 23. Im going to actually write down exactly what it is that Im going to be paying and tracking on a regular basis so I can see all of the balances in one place