After spending time listing my assets & liabilities.........and knowing I needed to list the CC balances, I've come to a conclusion.

Since I've got the cc's on zero interest for now.......I'll not be racing to pay them off. Duh, I wonder what sized timber needed to hit me over the head for this decision? (for those of you shaking your heads here, try- just try living with an autistic young man for the last 4 years and see if you remember your own name???)

I do have the funds to pay off the cards, but I'll be happy to leave them in an interest bearing account until the cards need to be paid off. Until then, I'll make the minimum payment on both cards that absorbed the debt from the business/sister situation last year.

The personal cc will continue to get paid off each month. I'm still hassling over the 4 identical charges, on the same day last month.......that aren't mine. The company couldn't find the charge either, but so far, they haven't cried 'error' either. The 4 charges total a tad over $100 so I'm not giving up. I did get the trial membership charges taken off, as I had cancelled these within the 30 days. (note to self....don't do these again, at least until life here has settled down)

So, the decisions re cc's include:
-leave the big balances where they are, until the last minute, then pay them off.
-this leaves the cash in my accounts until the last minute......working at adding up interest income.
-keep a close eye on the personal cc account statements, not filing them until I have reviewed each line item.
-realized I am not a cc spender, I can actually make money with this situation.