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

mooomin

Good morning all

You will notice that I have amended my signature so that it doesn't mention the amount I am paying on my Barclaycard anymore (Or maybe you won't notice :rotfl:)

I have opened an account with which to pay off my overdraft and am going to also be sending some PAD money there too, so it didn't make sense just to have the Barclaycard money in there. Once the overdraft is gone, this will be my Pay Off The Loan account! The loan won't accept payments through online banking, so I am going to have to save up funds then go to the bank every month or two to repay. The interest is all front-loaded, so it won't make any difference to the debt if I'm not paying in daily.

So, today I have paid £1.50 to open the new overdraft account, and £2 to the Barclaycard. I checked my statement this morning online and I have paid off £83.79 since my last statement - all thanks to PAD. Without this thread I would have made my £25 minimum payment and nothing else, so thanks one and all

For those of you keeping up with developments in the Love Life of Fresian me and t'other half had a good long chat last night. We have many things to work on, but don't want to give up on the last eight years, so we're working on our relationship and hopefully will be together for a very long time to come

In other news, I have joined the legions of DFWs who have a diary for motivation, mine is here: http://forums.moneysavingexpert.com/showthread.html?t=1350169 Do pop in for a cuppa some time

Have a lovely day all! WooHoo for Friday!

flying_fresian

mcjordi

£10 to shopacheck loan today

katie2407

£5 to vanquis this morning

now off work until boxing day so should manage a few non spend days

MinniMe_2

Morning all,

no PAD for me today as had to pay rent which leaves nothing in the account until payday monday but then I will start again

have a great day everyone

Greenbynature

Morning all
Hope your hubby soon gets better Double Trouble and for heaven sakes forget about the totals and look after OH and yourself Glad everythings working out for you Flying_fresian :T and Bigbeff enjoy your hols am soooo jealous lol
Thanks for the idea tomtombeanie re balloons in a box think my lot are too old for that now and not sure if GD1 will appreciate it yet maybe next year? GD2 is only 6 weeks old so she defo wont appreciate it :rotfl:

Your youngest sounds like my daughter .... she want's a " super duper fandangled " new phone as well ! .... She's only got 2 hopes of getting that .... bob hope and no hope !! ......
How old are your furry babes ? Have you had them from pups ? ....

:rotfl: :rotfl: I'll use that on my son !!! don't think he'll appreciate it tho somehow! George is 8 in March and Amber is 7 also in March and yes I've had them since they were 8 weeks old, they're not happy at the mo as I've put them on a diet :rotfl: I'm afraid Amber is a typical female one bite of anything and it goes straight to her hips :rotfl: they're both can eat for england but george seems to be able to run it off whereas miss piggy is a bit lazy!!! she prefers snuggling upto me and trying to scoff my chocs :rotfl: :eek:
Paid £1.12 to cap1 cc 12 is for the date as they seem to be taking ages to reach my account lately! and 50p to sealed tin and 7p in shrapnel to copper jar
Have a nice day all

Smamfer

:rudolf: <<does it suit me? lol

Morning all and wow what a frost last night.. by 10pm it looked liek it had snowed here but sadly none

Anyway as im in a reet feel good factor mood again here are the scores on the doors

BA2 o/d £16.00..( this is the account i pay my vat bill from. and every week i transfer 40 quid normally from my normal account and they take 36 a week towards my debt... so i was only bringing od down by £4 a week... now i have cleared a whole £100 of it just by pad's:T )

Hal cc £12.50 ,,,(meaning i have cleared £150 off this credit card rather than just paying minimum payments just to cover interest plus about a £5) :T

Cap 1 cc £10.00 ..bringing this down tooooooo:T

Ohhh and in true good girl style i have just paid another £ 50 quid off this damn bed! bringing it down to £190 which i have till 28th december to pay before a mahoooosively large interest is slapped on it......

I loooooove this thread xxx

ElizabethJH

£1.78 to Abbey.... Vanquis have sent me a letter saying that the payments weren't going through correctly (I have been sending them through by online banking for the past 2 years why aren't these little payments working?) Not sure where the money is then as it's not being returned to my bank account!? Will have to try and phone them about it some point.. such a pain :mad:

Flower08

Afternoon all - thank you all for the kind words of encouragement yesterday.

So lastnight i was still really annoyed with myself, had a huge arguement with OH because i feel like im constantly fighting to get this debt down while he just keeps spending.

Anyway he promised to try harder and i think he realised how much i worry about the debt, i know its not a huge amount but its too much for me!! He made a good start today, we had to go food shopping and instead of just throwing things in the trolley he was looking at all the prices and just putting in things we actually needed. Result = shopping bill half the price!! :j

Also i looked at my credit card statements from last year and discovered that last christmas i spent £1300 on my cards!! :eek: So in the grand scheme of things £200 really isnt that bad.

So....onwards and upwards!! £2 paid to HSBC CC.

Thank you all again for the encouragement

cady

ok ive decided i cant pay LOADS off my debt but i will try to at least py 5p a day into my silver sealed pot and when i have the money in my bank i will make a payment to a debt so im in !!!! 5p is not hard and if i do that over the space of a year it will be £18.25 as a minimum so count me in i have a number off when i last joined and altough my goals have changed .... im still paying towards my debt so off to find 5p as im skinter thanskint at the moment!!!

tomtombeanie

welcome properly, cady!

hope your OH recovers quickly, double_trouble - it's no fun recuperating and it's no fun for you doing everything on your own...i agree that the figures are last on your to-do list...

have a lovely hols, big beff - what will the weather be like in sri lanka this time of year?

glad to hear your crisis talks have yielded a positive result, flying fresian - that's a great christmas present come early!

so i braved asda this morning (how much can people possibly buy for the holiday season???!!!) and had a very modest shop compared to most of the lunatics in there . (apart from 6 giant slabs of dairy milk - they're for the chocolate fountain on boxing day and again on 28th when some friends are coming round - honest!)

have decided to keep my ebay profits in my account to make sure i can keep up with my pound a day payment- although i have budgeted for christmas this year, i don't want to leave myself with nothing at all!

so a pound from me today. happy friday! :beer: