what I did was whenever I paid off a loan, I put half of the usual payment into the next load, and splurged with the other half. that way I had the benifit of being to relax and take a bit of stress off, yet I still got ahead on my other loans.
if you don’t get some reward for paying the debt off, you feel like you’re caught in a grind with no escape. you gotta let off steam every now and again.
That’s called “blow money” and should be part of the budget. It should be planned for, but not a completely re-occuring item.....