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

cady

i just was wondering how everyone does there PAD ... ive joined and find there is more month than money everytime .... i dont have much money and see that people are paying over £10 a day sometimes ... is there anytips anyone can offer as i think id be able to reduce my debt considerably doing this challenge

Double_Trouble

cady wrote: »

i just was wondering how everyone does there PAD ... ive joined and find there is more month than money everytime .... i dont have much money and see that people are paying over £10 a day sometimes ... is there anytips anyone can offer as i think id be able to reduce my debt considerably doing this challenge

Cady you don't have to pay pounds the pennies mount up we have had a PAD of 1p. A lot of people put their odd change in a jar each day and then when you are ready add it up a pay it off a debt it really does help and its surprising where you can fid odd pennies even in the street. I really recommend that you give it a go you have nothing to lose except your debt.

DTxx

Fag_ash_lil

cady wrote: »

i just was wondering how everyone does there PAD ... ive joined and find there is more month than money everytime .... i dont have much money and see that people are paying over £10 a day sometimes ... is there anytips anyone can offer as i think id be able to reduce my debt considerably doing this challenge

Hi cady ,

I agree ...... There's definitely more month than money ..... Unfortunately ......

For years i always shopped using credit cards ...... That is why i have ended up on this " thread " ...... So i find that my payment a day is helping to gradually chip away at my debts ......and i do mean gradually !

I'm not sure i have any tips to offer ..... except that when i shop now i try and only use cash ..... and to be honest it really does make me think about what i'm buying ...... Whereas in the past when i went food shopping although i looked at the prices of things i would sling everything in my trolley that was buy one get one free .... whether i needed it or not .... and not worry what the total would be as i was paying by credit card ...... Blo*dy stupid really ......

There's just 2 of us here ..... my daughter and i ...... My last main shop was in AUGUST ! we are still living off the food we have in the freezer and cupboards from then ........Have obviously had to buy a few small odds 'n' sods since then ...... But since then i've been putting my " main " food money towards my debts .....

So if possible use cash ...... think carefully about everything you are buying ....... if you have to buy it , is it possible to buy it cheaper elsewhere ......

Ebay ..... selling any items you no longer need may bring in a few more pounds .......

Heating ..... for example ..... try turning your thermostat down ..... Lighting , it use to be like " Blackpool illuminations " here ..... not any more .....

Basically try and save money wherever you can and put it towards your debts ..... Even if it's only pence it all adds up .....

I'm sure other people on here will have plenty of good advice for you ......

Good luck ....

terri

nickynoo08

cady wrote: »

i just was wondering how everyone does there PAD ... ive joined and find there is more month than money everytime .... i dont have much money and see that people are paying over £10 a day sometimes ... is there anytips anyone can offer as i think id be able to reduce my debt considerably doing this challenge

Hiya cady - i dont have much money at the moment either, i usually keep 10ps, 20ps and 50ps (mainly 50ps as they add up quickly and you dont really miss them) in a jar till i have a tenner to go towards my debt. I also do daily clicks, so when they pay out i usually put them towards my debt too. Also if i'm tempted to buy a magazine or sweets i'll go online and transfer that amount to one of my debts too - its money i would of wasted otherwise.

Have just paid £6.71 to my cc - got some pressies paid with vouchers and got cash as my change instead of vouchers or gift cards (got loads with £1 odd on them!).

Rammstein1

£20 off my Argos sc
Sold an item on ebay last night for £53 so when that money clears will pay some more off
Think that going to be it till chrimbo n new year are over though

Rammy

weebag

Hi all

£2.50 for me to cc today - and i think ive finally recovered from this bloody cold / flu!

Wee

joeyjimbles

cady wrote: »

i just was wondering how everyone does there PAD ... .. is there anytips anyone can offer as i think id be able to reduce my debt considerably doing this challenge

Hi and welcome to PAD
I've bigged up the 'up your income' thread before and I'll keep on doing it. You'll find everything from daily clicks on cashback sites, cashback from purchases on the lines of quidco and rpoints etc as well as extra pennies from writing online reviews for all sorts of stuff. I definitely recommend it.

Flower08

Hi all, not posted for a few days as been visiting family.

Spent far too much money which was not budgeted for as it was a spontanious visit :eek: so a bit of a set back for me.

Well paid £3 to CC today, got to get back on track.

Hope everyone is well

x

gilly1964

I hate this not being able to post every day - it messes the figures up for DT :mad:

Since my last post my PAD amounts are

£125 to CC1
£16.88 to CC2
£65 to savings to clear 0% card at end of April - decided the pennies interest were better off coming to me :money:

£206.88 since my last post and £299.72 so far this month

All the best
Gilly

paybacktime2008

Bit of a change of tack for me.....£2.00 today to virgin cos I've been paying money to OD then drawing on it so pretty pointless.....If i pay virgin I know I won't spend on it as the card is cut up!

HAVE A GOOD ONE ALL.