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I suspect my problem is looking at the numbers too much. I've entered and re-entered my numbers on the snowball calculator on at least a dozen times. I've also automated payments in the past, but had an issue with a payment landing on the weekend and the bank recording it late. The late charge was reversed but the experience soured me on automated payments. Also my cash flow last year was not as good as it is now, and ran into overdraft fees on my checking. Last year I paid over a $1000 on overdraft and negative acct fees. It was awful. I am so grateful to be in a better place this year.

Gonna go back to the snowball plan. Will automate the minimums on the lower interest cards. Also to stop driving myself bonkers, will only look at the balances once per month. It's when I review my mint account and see all the debt all at once that I start scheming and deviating from the plan.

Hopefully will be posting an Amex happy dance in the next 4 months.
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