The other joy of the credit card approach is the flexibiliy you get. Most months I pay about £700 off them, but if times get a bit hard, or I have an unexpected bill/expense then I've got the option to reduce payments to 'minimum' for a month or so, which is around £150. Thankfully that hasn't happened yet, but it is comforting to have the option. Can also lob a bit more in if I get a windfall (had a PPI payout a while back and knocked a couple of grand off the total).
"Y mae dafad ddu ym mhob praidd"
1972 4/4, 1981 MGBGT, 1984 FLHT1340, 1980 XLH1000, 1990 ZX10
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