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<p>[QUOTE=&quot;Garlicus, post: 5187312, member: 73190&quot;]Logically, that might make sense, but if someone is in large debt over various accounts, small victories of paying off debt is encouragement to continue. Most people need, and/or enjoy victories and a sense of accomplishment, as not to get discouraged. If people did what makes sense (analytically), they wouldn’t be in debt in the first place, other than a mortgage.</p><p><br /></p><p>Either way someone does it. The important thing is that it gets done and never happens again.[/QUOTE]</p><p><br /></p>

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