Generate a full detail guide on creating a visual debt payoff tracker. The guide should be creative and motivational. It must include: 1. The psychology of why visual progress is so motivating. 2. A step-by-step guide to creating a 'debt-free thermometer' chart. 3. Ideas for other visual trackers, like a coloring page with sections for every $100 paid off. 4. Suggestions for where to keep the tracker to see it every day. The goal is to provide a fun, engaging tool for the debt-free journey.