On the debt front i have just applied for a second 0% BT card. I will transfer a small amount from my Capital One account, an amount that i know i can pay off during the lifetime of that offer.

I don't want to transfer everything from Capital One in case i get refused another 0% card when i try and transfer it again.

At the rate i am going i won't be debt free until 2006, which seems like a very long time off.

On the other hand, i can easily meet my minimum repayments, and pay way over them...so i guess it's just something i live with!