Scared witless

cragrate2

starting to feel in control of stuff now. Alliance and Leicester are offering a bank account (which I have switched to) that allows you a totally free overdraft facility for the first year then only charges you a maximum of £5 pr month thereafter. So I can effectively forget my considerable overdraft and put all my extra money into paying off higher interest debts. The idea being that I would continue to pay what I pay now to credit card, add the amount left in my account each month then when one card is paid off, move that monthly payment over to other card and add to existing monthly payment. Snowball effect!!! By the time the first one is paid off my bank loan will be finished so thats another 180 per month. In a year or so I should be paying off in the region of £850-900 worth of debt each month!!!!!!!!!!!!! I can't wait till I fall into the black and all that cash goes into savings each month. Anyway I'm off to pluck a brace of pheasant now, keep going, this money saving stuff is invigorating