Money Fritters 'Enough Now' DFW Diary

savingwannabe

Guys can someone explain how PAD works? Why dont you pay off in one sum at the end of the month? why pay in little bits? I dont understand. Help.

MrsPorridge

Savingwannabe - I started off with PADS although I don't do them anymore. I think the thinking behind them is that if you can find a couple of quid a day for a coffee or snacks then you can use that to PAD something off your credit card - that's how I looked at it anyway and it really helped me.

I suppose it's whatever works for you - if you are disciplined enough to save bits of money up you can then pay it off in one go at the end of the month. I found that I got a bit carried away PADDING most days and then towards the end of the month I didn't have enough money left over.

savingwannabe

oh thank you, now i understand. I have cut my spending as am trying for NSDs and i put money in the bank at the end of the month.

Money_Fritter

Hi folks,

Well I managed my first NSD of feb yesterday

I did not manage a NSD today as I had to get some bike gear for my coast to coast trip in June.

I got quite a few cycling clothes and a helmet. I also got the coast to coast book with the maps in.

Slowly getting there

Money Fritter

Money_Fritter

Hi folks,

Well I managed another NSD today so that is 2/16

Money Fritter

Money_Fritter

Hi folks,

Well I managed another NSD today, so that is 3/16

Money Fritter

NorthernLas

Have you looked at the C2C book yet and worked out where you will break your trip? We did Keswick, Alston, Consett and did it over a May bank holiday

Money_Fritter

NorthernLas wrote: »

Have you looked at the C2C book yet and worked out where you will break your trip? We did Keswick, Alston, Consett and did it over a May bank holiday

Hi NothernLas,

I have got the official c2c book and the map arrived from Amazon yesterday. I have been planning my trip. I will be starting from Whitehaven and I will be stopping overnight in Alston, roughly halfway along the journey.

My bike finally arrived at the weekend, it is awesome. However, it rained all weekend and was very windy so I have still not been out on it

I am hoping to go out for a ride on saturday morning

Money Fritter

Money_Fritter

Hi folks,

Well I managed another NSD today, so that takes me to 4/16

I have also managed to make £14.01 today, and made £8.03 yesterday.

And I also did a PAD=£110.43

Money Fritter

ani_26

Hi mf,

Oooo, you've got your bike, now. Lots of training, now the nights are starting to get lighter. Lucky you. I've been hankering after a bike, for some years, now. Of course, i'll never have the spare cash to buy one. I was gutted i missed one in the local newsagents. I know the person who bought it. A brand new Marin, for a fiver. Only been ridden once. A son bought them for his elderly parents, in their seventies!! Of course, they had'nt used them. Five pounds. I was sick. Ah well, in my dreams................

I still fancy a trip up to Whitehaven to support you. Nice spot. Depends if i've any money by then. Somehow i think i know what the answer to that, will be.


Hope you're relationship is working out.

Nohope x