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Personal Finance · by Tomás Gómez · 2026-09-16

My 7-month experiment with debt after 36 tries

I know this is a tiny sample size, but after 5 attempts the pattern is pretty clear. When I keep the setup simple, I actually follow through.

296 sparks · 17 comments

Comments

Kabir Khan · 11 likes

Love the tiny experiment energy. That is where the boring checklist helps.

Piotr Zieliński · 22 likes

Good clarification — I read it differently at first.

Grace Parker · 7 likes

My version of this was messier, but the conclusion was similar. For me it came down to the recipe.

Valentina Ruiz · 6 likes

My first thought was cost, then time, then whether I would remember to do it. I used to overcomplicate this constantly.

Tola Ibrahim · 20 likes

I needed the reminder to start smaller.

Nour Ali · 3 likes

@ng_comet63 This comment has main-character footnote energy.

Jisoo Park · 2 likes

Kind of wild how often reminder is the whole issue.

Valentina Ruiz · 2 likes

@ng_comet63 Adding this to my notes.

Léa Bernard · 6 likes

What happened after the first week? I am curious whether debt stayed easy. This is more useful on a tired commute than on a perfect day.

Liam Eriksson · 6 likes

Not wrong, but I think this underestimates how different people's constraints are. Honestly, the simplest version wins for me.

Siti Lestari · 5 likes

Really good advice, and it feels doable. I would test it for 3 days before deciding.

Maya Williams · 5 likes

Good reminder that boring can be good. For me it came down to the setup.

Arif Hasan · 3 likes

This is useful for some cases, but terrible advice if the stakes are high. I care less about the perfect answer and more about repeatability.

Hana Choi · 1 likes

I like the idea, but the setup probably matters a lot.

Yasmine El Amrani · 1 likes

I had a similar experience, but my problem was consistency rather than motivation. The awkward part is easy to underestimate.

Rohan Mehta · 1 likes

The kindness in this post is lovely. I would write it down before changing anything else.

Valentina Ruiz · 0 likes

What would you change if you started over? The 8-minute rule is underrated.