I just found out my Grandma gave us $1000.00 dollars for Christmas.

Now, this is not new, she has done this for the past 2 years for each of her grandchildren, all 8 of us.
I just am not the type to "expect" monetary gifts.

Anyways, I mulled over what to do with the money, and guess what?

That $1800.00 @ 0% I owe to Citi will be paid back long before the 0% rate expires in April 08.
I will pay the $1000.00
and will have 700 left due and will divide it by 3 and get it paid off by March 08!
OMG! 2 years ago we had around $13000.00 in consumer debt (auto loan + credit cards)
This is a very good feeling indeed!!