Well done, that's a bonus. £70 extra to pay of debts now!

Doesn't sound like you've shopped around that much. Be wary of that £70 suddenly disappearing and not finding it's way against the debts! Did you not consider refinancing and being able to pay the debts off by adding to your mortgage?

You did all this without discussing at the pub first

Did you not read the thread?

I discussed that very idea on here and on MoneySavingExpert, and it was roundly poo poo'd.

Also, by my calculations, my 'spare cash' per month has now tipped over £550. This is what i have left after ALL my bills, standard credit card payments, gym membership, spotify, monthly bus pass AND allowing for £250 of food, has all gone out !

If i manage to cock up having £550 'disappearing' each month, i need to be shot.

also: Pub?! Thought you were now a Gym master, no pubs for you! We could discuss over a Clean and Jerk though. Ooh Er (where has the coo ee smilie gone?)