I may not have much money right now, but i think that using MS Money is going to help. I have decided, I am going to pay off my Halifax card completely using 100 pounds from my isa.

Oh. Interest rates have been put up. And the mortgage i was going to sort out on Saturday has now gone up and it is 10 pounds more. I think i'm still going to go with it though, but it's really brought home that i need to sort it out.