Just made my final payment to my Irish visa card. Feels so good. Still have the overdraft on my Irish bank account and my German mastercard (which I used to pay my brother's electricity bill a few months ago so that he wouldn't get cut off) but that visa card was like a monkey on my back and I am delighted to see the back of it. Even if the choice to clear that card rather than a chunk of my overdraft will end up costing me slightly more in interest, I don't care, it was the one to beat finally. The physical card is hidden away and does not get used at all anymore but I won't close the account until I have built up some emergency funds, in case anyone is wondering. Still waiting for my tax refund. I was going to use it to clear a large chunk of overdraft but now I'm actually thinking it would be better to use it to pay off my mastercard. Again, that's not necessarily the least expensive way of clearing my debt but it should nearly be enough to clear the whole thing and clearing one and just having one debt left to deal with is probably mentally more satisfying than carrying two debts for another few months.
My next two bills have come in so my annual expenses fund is now down to zero again. It is sometimes hard to not dip into that account during the year but such a great thing when those bigger annual bills come in and I don't get that panicky how-am-I-going-to-manage feeling.