Hurrah! For some reason I'm getting paid a lot more money than I expected from the job this month so I don't need to panic about trying to live for 6 weeks on 300 quid. Its practically a full months pay which'll take me about 250 away from actually clearing my overdraft.

I'd like to be in a position by March where I've only spent half of that, but realistically 3/4's is more to be the case, cos of this stupid housing benefit mistake but even so March payment will take me out of my overdraft and there will be a few months of dipping in and out of it but hopefully by Summer I'll be clear again and able to pay off a lot of my credit card debit, I might even deliberately keep myself in my overdraft and pay off 2-300 pounds of it at a time simply cos the interest rate is so much higher than if I cleared my overdraft first.

Hurrah for options and being able to save a little again!!!!