A payment a day............

frasersmum123

Hiya everyone,

Have been having problems with HSBC Internet Banking today so have only just been able to do my PAD's.

Today its £5.01 to Capital One, £3 to Catalogue and £3 to Next.

Washing Machine has broken down, so have had to use my savings - transfered it out of Alliance and Leicester yesterday but it hasnt gone into my HSBC yet, I hope it doesnt take too long!

nickynoo08

:mad: Its official i hate catalogues!!!! Have just logged on to check my new statment n they've added an item that i thought was on buy now pay later (only did this cuz i was somehow getting a better deal from them) Not hapy. Had loads of trouble with them the past few months cuz there min payments have shot up. 4 months ago i was paying £150ish a month n this month they want £225. My overall debt with them including buy now pay later stuff is just over £2500 so how do they figure out my monthly payments to be as high as they are? Thankfully i've just agreed to some more overtime but even with that i'm gonna be struggling this month now.

Fag_ash_lil

Hi everyone ..

Hope you are all keeping warm .... really cold and windy here today ...

purpleposting4 - Excellent news that you are now £18 per month better off :T ...

Double Trouble - Glad you had a lovely anniversary yesterday . He must be a " good one " to buy you yummy rum truffle choccies ! :T ...

Greenbynature -Typical ex !! ... At least the cheque is " better late than never " .....

HOPEFUL1 -Hope your grandad is out of hospital very soon ... Hopefully you won't need to get him any more pjs , but if you do, try primark ( i got some lovely ones in there last week for £6 , so i presume that the mens ones are just as cheap ).....

clairec79 - :hello: Hi and good luck with your debts ...

Anyway here's my Good and my Bad for today ...
The good - added £3 to my pot ( grand total £69 ) ... :T

The bad - It's choccie confession time ... I bought a lyons chocolate layer cake in iceland :eek: !!!! But it was reduced to 50p because the date is up on it tomorrow ........ As if it would last me that long !! :rotfl: ..... At least i went for the money saving option again !!

Anyway keep "snuggly " ....

Catch you all tomorrow ...

terri x

frasersmum123

nickynoo08 wrote: »

:mad: Its official i hate catalogues!!!! Have just logged on to check my new statment n they've added an item that i thought was on buy now pay later (only did this cuz i was somehow getting a better deal from them) Not hapy. Had loads of trouble with them the past few months cuz there min payments have shot up. 4 months ago i was paying £150ish a month n this month they want £225. My overall debt with them including buy now pay later stuff is just over £2500 so how do they figure out my monthly payments to be as high as they are? Thankfully i've just agreed to some more overtime but even with that i'm gonna be struggling this month now.

Catalogues are such a law unto themselves, mine is with Additions and the balance keeps going up and down. Also, I make daily payments from PaD, and they wont show for ages, then 5 or 6 will turn up on the same day. I also found out that my APR is 37.9%.

northernspender

Afternoon

Had to go pay a visit and deposit some money in my c/acct today, worked out didn't have enough in to cover loan and two d/d's coming out in the next couple of days. So just £2 in the pot for me today.

Have listed several things on e bay this ( 5p listing till 9th) regardless of price start price. They will finish in the next few days and all but one are selling. So will use proceeds from that for next weeks PAD!!

See you all tomorrowx

Lelc

Afternoon everyone and a big hello to all those who joined the challenge last week. It's great that everyone's still at it. This is my first day back after a lovely week away visiting family. I've spent quite a lot but then I don't get to spoil my granddaughter that often and it was her 1st birthday. I missed the snow though - I must have been in the only place that didn't get any.

I haven't checked the accounts all week so no pad last week. But I checked them this morning and discovered that A&L still haven't switched the direct debits from my smile account but in the meantime I had arranged for the payments into the smile account to switch to the A&L account. So all the direct debits are still to go out of the smile account but all of the money is in the A&L account :mad: I can't believe how long it is taking to sort out. Also discovered I've got a headlight out on my car and you need to be a contortionist to change it so it needs to go to the garage:mad:

On the plus side, the money back from Quidco for the A&L account and the Asda car insurance have both been validated so just awaiting payments of £125.:j

Back to pad tomorrow once I've sorted out the accounts!!

Have a nice cosy evening everyone.

Intergalactic_Floozie

HAH! Had to edit this *

£0.20 found on floor of bedroom.
£0.30 - DS flogged some of the leftover Halloween Haribo sweeties at school to the kids who don't have packed lunches.
£1.00 for no personal spend day
£1.00 for sticking to my diet (SW)
£16.00 from Coral Account, I was gonna keep it in, but am desperate to start paying this overdraft off.**

Total for today: £18.50

I'm dowloading a form as we speak to SORN my old car, which is currently stuck on the driveway, there's four months on it, so that should get me about £40-ish back.

MissShoes

Hi all,

as promised I've done the weekend's Vanquis payments and today's too.

• Friday 31st Oct= £5
• Sat 1st Nov= £5
• Sun 2nd Nov= £5
• Mon 3rd Nov= £5

£20 so far. I want to be under the £400 mark on my next statement even when interest is added on.

Hope everyone's ok, I'm sleepy and grumpy!

Love Miss Shoes xx

JAMIEDODGER

£3.50 to Creditcard
£1.90 to money pot

£5.40 in total today.

Have a great day everyone!!

katie2407

just paid £31.04 to dreaded virgin