Anything difficult I engage I engage with best effect if I enjoy it.
If I do not enjoy all aspects of it, I focus on those parts I do but continue with those I don't.
Once started I continue.Starting is then most important to do.
Checklists...you like checklists.
Whatever you choose or end up with make checklists and continue with checklists to evaluate your progress in that.
That is my suggestion.
Checklists are very entertaining and usefull. You like to pay off debts...pay off debts.
I invariably intigrate what i like to do within the framework of what structure I employ.
So I find it entertaining. The structure I employ is probably not as critical as that I integrate what I enjoy within it.
Don't mean to get all woosy toosy....but I feel what path presents is known to aspect of us as our choice prior to its presentation in actual form to us.
So you by that reasoning would already know what path you have chosen. The question is not finding it but uncovering it.
But whatever you uncover add..checklists to it.
And also paying off debts.
"This order considers that progress can be achieved more rapidly during a single month of self-transformation through terrifying conditions in rough terrain and in "the abode of harmful forces" than through meditating for a period of three years in towns and monasteries"....Takpo Tashi Namgyal.