Staying home and not spending money in order to pay off credit card debt feels like a really weird accomplishment. Because in actuality you’ve done “nothing” when you do it. Total money spent staying home: $0, nothing, nil, nada. No improvement to the current debt load.

But in actuality, if you were going to spend $50 (-$50, because I’m broke) going out to dinner, spending zero instead is still a positive action. So indeed it is not “nothing” after all.