I have just made another payment towards the credit card, the balance now is £201 !!! I am so excited that it is nearly all gone. I had a bit of luck last month. I read the meters and promptly rang the readings through. Usually I tend to ignore the estimations and keep paying the monthly bill, how stupid is that ! Anyway we had overpaid by £166 which they refunded us within a few days. Now I know that energy costs are rising and I could have left the money to act as a buffer , should I need it later, but I wanted the money now to pay towards the credit card. To get rid of that is our top priority. Once that silly card has gone , we can start saving towards other things with our 'own' money. Money that is ours to do with what we want and not to be handed to some corporate giant on a designated day each month. On a lighter note, my daughter has just come home from school and has found £1 along the way. She gave it to me but I gave it her back and told her to put it in the piggy bank.