At the beginning of the year I decided to focus more on credit card one rather than credit card 2. My reasoning was that it was the smaller balance so would be easier to tackle and it would make me feel better seeing the balance going down.

I put snowflakes towards this credit card for some of the year, not the whole year as I had planned.

Well, I totaled up the total interest that I have paid on credit card one this year. I also totaled up the PPI payments that I'm also getting charged on it. I remember having Payment Protection Insurance for credit card two and I cancelled it, so i think I will be doing the same soon. Anyway, here's the numbers:

Total interest: £457.65
Total PPI: £134.62

At the beginning of the year my balance on this card was £1679.16 and my minimum payment was £83.96. Now it is £1323.30 and £66.17

I've reduced the balance by £355.86.

In total, I've paid £592.27 in interest and PPI.

Ouch. All I can say I will never use this card again.