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!!

Citi card: $1800.00 @0% until 4/08.

Plan to pay more than minimum and pay off card in full in March.

Chase Sony Card: $18000.00 @0% until 4/08.

This was a great deal.
I got a $100.00 statement credit.
So after I activated the card, I bought
$25.00 of gas.
Then, I consolidated existing Chase cards to the Sony.
That made the total balance available
$23000.00
I then paid off the $25.00 in gas I charged.
Then I wrote the Balance Transfer check for $21000.00 and deposited it in the MMA.
The max BT fee was $75.00.
6 weeks later, I got the $100.00 statement credit.
YAY! Free gas and free BT!!
Now, I owe $18000.00.

We made quite a bit of interest income on this since the money was added to our existing savings.