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

paybacktime2008

Mega Mega Mega peed off. Got home today to find payslip on doormat. (Should just be given to me at work) The payslip is for 2 days i worked in October before half term and still at Basic rate tax. :mad: Who knows where my pay is from November to now??? We are talking a fair whack of money. I'm going into school tomorrow and telling them I'm not going near any kids until this gets sorted out. How hard can it be? Heads are going to roll!

£1.oo for virgin today.

Maisie_M

Like Nickynooo08 I am unable to do any PAD at the moment as money is tight. Payday on Tuesday so looking forward to that so I can start my PAD again. Also been putting change in my sealed pot so that it still something - although I should really be trying to have a few more no spend days and therefore not have any change in my purse :rolleyes:

Fortunately have not had to add anything to Overdraft or Credit cards so thats cool and have loads coming in from quidco, amazon and back pay in January so looking to hit the cards with gusto in Jan.

racer256

Hey everyone £10 for me my Amazon payment came through today! Great news about your mortgage Hopeful will you still overpay?

Double_Trouble

Evening Everyone

I am a very happy MSE bunny today I can't believe that when I rang HSBC to close my card they gave me 0% for 9 months and said when that runs out to ring them and they may extend it:j. So have paid off Mint and Goldfish just a small balance on each to pay to keep the transfers round figures which I will pay off with PAD. So all OH cards are 0% and mine are 0%, nearly cleared or LOB rates. I have worked out our monthly interest on CC has come down from £838 to about £150 and set to reduce further:D.

I have even finally made a small start on the pay by Xmas 2009 challenge and I have finally recalculated me PAD signature so that it is up to date.

I have paid £20 to mint today.

As for PAD yesterday 20 payments were made totalling £173.46 considering the time of year we are doing so well.:T

Not going to play with smileys tonight baby wants my attention.

Love to all you wonderful people.

DTxx

Fag_ash_lil

Hello peeps ....

Hope you are all ok ?

flying_fresian - Well done in getting your Barclaycard down to under £1000 :T .....Hope you enjoyed White Christmas at the cinema .... What was your small win yesterday :question: Also re: your bubble wrap and brown paper , ( you might have mentioned that in your diary ) I get mine from my local £1 shop or poundland .... Don't know if you have any of those near you :question: ....

jo41 - Great 1st smilie ..... Not sure what went wrong with your others .... Sometimes it will let you " copy " a smilie but it will only let you " paste " it once ...... If you try to " paste " it again it shows as a link or a white box with a red cross in it ..... So to try to " copy " the image again and then " paste " it again ....Hope this makes sense ? :rolleyes: ... ( Basically repeat the process and keep trying ! ....

gilly1964 - Wow £963.47 for your december PAD .... That's a fantastic amount ..... If you don't make it back on here 'til the new year , Have a wonderful Christmas and a Healthy and Wealthy new year :beer: ...

weebag - Glad you managed to sort out your Cuba visa and name change problem .....

nickynoo08 , Maisie M - Great news that you haven't had to use your credit cards or overdraft to get you through Christmas .... Well Done :j ...

joeyjimbles - I was wondering whether frasersmum123 was ok ......Have just had a quick look and she has been " posting " on other boards in the last couple of days .... So she must just be busy ....
Hopeful1 - Brilliant news that your mortgage has dropped :j .....

paybacktime2008 - What a nightmare for you :mad: ...Hope you manage to sort out the problem with your Nov wages .....

Double Trouble - Excellent news that you have now got all your cards at o% ........ That's one " hell of a saving " from £838 down to £150 :T ...... Great totals for yesterday .... Thank you ....

bigbeff - Only a few days now 'till your lovely holiday .... Have a great time ... Have a wonderful Christmas and a very healthy and wealthy new year ...

Here's my Good and Bad for today ....

The Good - Added £4 to my pot ....
Added 3p to copper pot ...

The Bad - CHOCCY free day here again today :rolleyes: ....

No " fancy " smilies for me today ..... I fell asleep on the settee today from 4 pm until 10.45 pm :eek: ..... just feel totally knackered .... Have had so many late nights in the last few weeks and have to be up very early in the mornings for work .... it's all caught up with me ! ...... Think i've had an average of 2 hours sleep every night ..... So am off for an " early " night ! ....

Catch you all tomorrw ....

Keep smiling

ooops .......... nearly forgot my crimbo decs .....

terri

mooomin

Fag_ash_lil wrote: »

flying_fresian - Well done in getting your Barclaycard down to under £1000 :T .....Hope you enjoyed White Christmas at the cinema .... What was your small win yesterday :question: Also re: your bubble wrap and brown paper , ( you might have mentioned that in your diary ) I get mine from my local £1 shop or poundland .... Don't know if you have any of those near you :question: ....

Thank you! I'm really pleased with myself as I didn't think it would happen - just shows how those small PADs add up! My small win was a £15 iTunes voucher. I haven't downloaded any music recently as I was trying to be good, so I celebrated by downloading the Wombats Christmassy song. It's ace

I didn't end up going to the cinema, as t'other half hasn't been well and wasn't feeling up to it. I did finally send him into the loft though, so our living room has finally got its decorations

There is a Poundland in town, but it is easier for me to go to WH Smith before the auctions end on Saturday, as I don't have time during the week. Should have planned better! I'm selling two perfume sets though and am down to make £30 before postage costs and they don't end till Saturday :D

On to the PADs!!

£1.63 to Barclaycard (Puts my current account to an even number!)
£13.48 to overdraft fund - this is what's left of my "spends" for the month as I get paid tomorrow. I even have £10 in my purse!

Last month before payday I was £1007 overdrawn today I am £728 overdrawn meaning that I have paid off £279 in a month!!!!!!!!!!!!!! This isn't even the money from my overdraft fund or my PADs, as that is going to be used to make lump sum payments. I am a very proud Fresian today!



Have a lovely day everyone!

jo41

Morning all,

I'm under £75 on egg :j :j :j
Have a great day everyone,
Jo x

jo41

....And I paid them £9.18 today!

mooomin

Well done Jo!!

jo41

[IMG]http://smileys.!!!!!!!!!!!!!!!!!!/cat/36/36_15_11.gif[/IMG] well done to you fresian too! we are all doing so well!