A Payment a Day Part 2!

penniesgrowintopounds

Morning everyone. Are we all well today?

Usual £2.00 pad today

Private_and_Confidential

Morning All. Don't know exactly why, but I'm in a really great happy mood today. Hope you're all happy too.

Well after another weekend of spending great time with my wife and little girl, I have yet again failed to make any PAD's on Sat & Sun so todays PAD of £5.30 is to cover Saturday, Sunday and Today.

Now after a bumper payment of £323.00 on Friday to my HSBC + all of the PAD's it's brought the balance down to £1079 (from £1547 on 30th Dec 08).

I actually have £1151 in a savings account which I could use to clear the balance, BUT this money isn't truely mine as it's required to purchase components and prints to construct photography albums for my clients (I'm a wedding photographer). My worry would be that I clear the balance and HSBC reduce my limit... then I'd be unable to fulfill my clients orders.

Any thoughts?

Greenbynature

Private_and_Confidential wrote: »

Morning All. Don't know exactly why, but I'm in a really great happy mood today. Hope you're all happy too.

Well after another weekend of spending great time with my wife and little girl, I have yet again failed to make any PAD's on Sat & Sun so todays PAD of £5.30 is to cover Saturday, Sunday and Today.

Now after a bumper payment of £323.00 on Friday to my HSBC + all of the PAD's it's brought the balance down to £1079 (from £1547 on 30th Dec 08).

I actually have £1151 in a savings account which I could use to clear the balance, BUT this money isn't truely mine as it's required to purchase components and prints to construct photography albums for my clients (I'm a wedding photographer). My worry would be that I clear the balance and HSBC reduce my limit... then I'd be unable to fulfill my clients orders.

Any thoughts?

Hi Private and confidential
I think you've answered the question yourself really there, if you pay it off and then can't fulfill your clients orders what will you do?

Private_and_Confidential

Greenbynature wrote: »

Hi Private and confidential
I think you've answered the question yourself really there, if you pay it off and then can't fulfill your clients orders what will you do?

Yeah suppose I have - Bit of a bummer to think that I could save £25 - £30 per month in interest but can't really go for it becasue of the risk of a reduced credit limit.

Oh well - I'll plod on with my PAD's.

Hoping for a bonus payment in March so should be able to clear it then anyway.

Cheers.

Smamfer

:shhh: ive been shopping this wknd but im not feeling guilty!


Im about to go update my diary full of more ramblings but for now my payments have been

£35.00 TO BA2 O/D
£5.00 to Hal cc
£5 to Cap 1 cc

So a total of...... £45.00 for me today xx

LondonAndy

"Happy" Monday all. Can't believe the weekend flew by so quickly. :mad:

Terri - what a fantastic set of smilies in your last mega - post. I am loving the DJ + dancers one. Reminding me of last Friday night and my cool dancefloor moves (not) ! :cool: :cool: :cool:

Bigger total from me today as I am including personal loan repayment ; firstly for motivation and cos I am keeping a monthly tally of all repayments and also because it's my biggest one to clear and it's all going towards that debt free day. So a whoppin £319.28 to the loan and £4.02 to Egg to keep that little beggar coming down too.

Have a great Monday all.

:j :j MY PAD = £323.30 :j :j

Private_and_Confidential

Smamfer - I'm intrigued by your Signature....

How come you owe VAT? Is this because you are self employed and haven't saved up in order to pay your VAT to HMRC.

If so, I suspect I'll be in a similar position as in yr 2008 - 2009 I haven't saved any of my income to pay Mr TAX Man.

Were you able to agree a repayment plan with HMRC?

Thanks in anticipation.

flyingscottie81

Hello all

£3.26 to MINT CC this morning for me.

Payday not till FRIDAY :eek: but doing well thanks to all the help and support on these forums (forii??)

Is there a plural for multiple forums??? :rotfl:

Next month will be having 2x PAD - 1 for savings for summer hols, and one for DEBT!!!

FS

Flower08

Afternoon all,
well im back from my weekend away with OH and had a brilliant time. It was great to spend some time together. And we didnt use the credit cards once!!! So i am extra happy about that.
So back on the PADs now and try and get these CCs down even more!
Hope everyone has had a good weekend?
Will update later with my payment for today

x

mmy

The plural of forum is fora -see, I knew my ancient 'O' level Latin would come in handy one day!!