For your payoff chart I would suggest only filling it in once a month after the due date. The interest is applied once a month, so if you fill it in multiple times a month you might catch it before and after the interest is applied, resulting in a step where it looks like you are going backwards. Do you think this may be what happened? Lets say you have $1k in cc debt, you pay $100 on week1, ($900), $100 week2 ($800), $100 week3 ($700) interest of $50 applied ($750) and now it looks like its a step in the opposite direction? (Numbers used were just for show) Just trying to understand where the step back is coming from, because if part of it isn't really a step back, but a misunderstanding of how things are working, it may help you be less demotivated about it going forward. ;)