Generate a full detail guide on how to celebrate debt payoff milestones without overspending. The guide should be fun and creative. It must include: 1. The importance of celebrating small wins to avoid burnout. 2. A list of 15 completely free ways to celebrate (e.g., a celebratory hike, a movie night at home). 3. A list of 10 low-cost celebration ideas (under $20). 4. A section on how to plan for these small celebrations in your budget. Please include a supportive disclaimer.