A Payment a Day Part 2!

Jay_Jay_6

Afternoon all - another £1 for my PaD - outta my purse into my secret little hidden box (don't know why I say hidden - cause I know where it is)

SarahNeedle1872

Forgot to add my payment to my post.... £22.18 to Sainsburys card

Miss_Marple_2

Hello - I've only just discovered this thread - I kept seeing the title of it throughout last year & thought - well, I can't afford to make a payment a day. However, now that I've actually come into the thread and read it - it is such a brilliant idea & I am sold on it already !

I have set some of my creditors up as payees via my internet banking. I am currently on a DMP, so I only normally pay payplan. This has actually got me moving as I wanted to end my DMP with Payplan and do it myself as I have been on it nearly 4 years and all creditors have started charging interest again and I am paying well over the minimum payments for all of them, so would like to snowball, but being a little lazy, I thought it would take too long to set up the creditors as payees. I've still got a couple to go, but it didn't take long at all !

I've made my first PAD - I paid £1 to Goldfish. I would never have thought of doing this - yet it is so simple and yet effective. My spreadsheet of my DFD is going to really show a difference after a few PADs.

I also sold something on ebay for £15 (net of fees, postage etc), so have transferred this into my internet savings account.

So my total PAD is £16.00

(I can't believe how excited this has made me - I was going to make a payment to Barclaycard as well, but then realised that if I got too excited I wouldn't have any money left for payments through the rest of January)

septemberblues

Hie everybody, 44p from me today! It doesn't seem a lot but every month when I pay the minimum £20 to my cc I have been able to add about £15 on top, all thanks to payment a day. In four more years I won't have any debts..................it seems like forever:o

Happy New Year :beer:

Paulgonnabedebtfree

Miss_Marple wrote: »

Hello - I've only just discovered this thread - I kept seeing the title of it throughout last year & thought - well, I can't afford to make a payment a day. However, now that I've actually come into the thread and read it - it is such a brilliant idea & I am sold on it already !

I have set some of my creditors up as payees via my internet banking. I am currently on a DMP, so I only normally pay payplan. This has actually got me moving as I wanted to end my DMP with Payplan and do it myself as I have been on it nearly 4 years and all creditors have started charging interest again and I am paying well over the minimum payments for all of them, so would like to snowball, but being a little lazy, I thought it would take too long to set up the creditors as payees. I've still got a couple to go, but it didn't take long at all !

I've made my first PAD - I paid £1 to Goldfish. I would never have thought of doing this - yet it is so simple and yet effective. My spreadsheet of my DFD is going to really show a difference after a few PADs.

I also sold something on ebay for £15 (net of fees, postage etc), so have transferred this into my internet savings account.

So my total PAD is £16.00

(I can't believe how excited this has made me - I was going to make a payment to Barclaycard as well, but then realised that if I got too excited I wouldn't have any money left for payments through the rest of January)

Have you told Payplan what you are doing re paying creditors some extra. From what I've read on here, I think you meant to treat each creditor the same and give them the correct proportions percentagewise if you pay extra. It can haver the potential to affect your DMP arrangement if you go it alone and treat any creditor with preference (e.g. the one that is charging the highest interest).

Paulgonnabedebtfree

Lewby wrote: »

Afternoon all. A lazy start to the day for our household. Last day of the holidays!

Pauldebtbegone - Thanks for the advice re; Virgin and MBNA. Hadn't realised that they are the same company so will do a bit of shuffling and move Barclaycard to Virgin and then the MBNA balance to Barclaycard on LOB. It's so hard to know which cards are managed by who!!

Played cards with my family last night and won £6 so that's my PAD for today. Was a very late night hence a very nice lie in today.

A NSD for me today! Hope everyone else is enjoying the last remaining hours of the hols (if you haven't gone back to work yet).

Lewby xx

Wow! My username has really morphed
I just want to say not to take anything I say as financial advice. Please always verify anything I say elsewhere before acting in case I've made a mistake.

Greenbynature

Hi to all the newbies :hello: Can't believe how many new people have joined its took me ages to read all the posts.
Terri - I don't mind being your twin if I can look like them in your pic :rotfl: :rotfl: Still can't subscribe to this thread but still haven't got my lazy !!!! over to techi board yet!
Paid £5 to cap1 cc and £2 to sealed tin no money for change jar today tho
Total pad today: £7

Greenbynature

Well bug-ger me!!! Just about to go onto techi board to see why I can't subscribe and just noticed on DFW board that there's now a tick next to this thread saying I'm subscribed weird or what!!! someone playing games with me??? :rotfl: :rotfl:

Mudbath

Hiya
Hope you're all ok and saving those pennies! I'm paying a fiver off today so need to go and sort out my signature. I won't be making a big payment until DH gets paid at the end of the month but it all counts! xx

Fag_ash_lil

Hello peeps .....

Hope everyone as having an enjoyable Sunday ...

paulgonnabedebtfree - I totally agree with you that " humour is free of charge and totally necessary .....I think some people choose to use their DD payments as their PAD , it's entirely up to you ....

Flower08 - Very sorry to hear that hubby has lost some of his hours at work , but i suppose looking at the positive side , at least he is still working .... Hope you have a lovely weekend away in London , when are you going and is it just the 2 of you ? ....... Glad my smilies " make you smile " ! .....Hopefully you'll " join the PAD smilie club " , the more the merrier !! ....
Jay_Jay - Hi Good luck with your Payment a day no matter how small it all adds up towards our goal of being debt free ..... Good luck with giving up the " dreaded weed " , if you take a look at Greenbynatures sig on here, she gave up in Nov and is doing really well ....

tomtombeanie - Well done on your shopping bargains .... If you get a spare minute almar had a question re: ipod audio books in post number 179 ( in case you missed it ) ..... Hope all goes well at the funeral on Wednesday , is you dad over here yet ? ......
curly B - Hi Good luck with your payment a day it all adds up no matter how small the payment is ...... Most people type the amount into their " post " each day .....Good luck with the Tesco points ! ..... Don't forget to wrap up warm for your walk to work ! .......

Mudbath - Well done on using £10 of your birthday money towards your PAD .....£100 since Christmas day is fantastic ....
LoLo - flyingscottie81 , nellis10 - Hi Good luck with your payment a day , no matter how small its surprising how quickly it all adds up ...
clarissa_D - Hi Nice to see you back ......Hope you had a lovely Christmas ..... Well done on all the bargains that you managed to pick up in the sales ......

penguin83 - Hope you managed to have a lovely relaxing afternoon ......
jo41 - Hi Lovely to see you back again ...... Hope you had a wonderful Christmas ...... Don't forget to make Hopeful1 coffee in the morning ! ....
missthrifty - Sorry to hear about your dads car , did they pinch anything ? Blo*dy awful that " the idiots " just seem to get away with it .....

cuddlymarm - Great that you have managed to save £30 from your food money to put towards your hols .....

Lewby - Well done on using your card " winnings " for your PAD ....

Maisie M - Snap ..... I have just started making a list of all food , frozen and tinned etc ..... I've got loads of odds 'n' sods in the cupboards and freezer to use up before i buy anything else ......
Miss_Marple - I notice that you are on a DMP , from what i understand i think you have to be " careful" if you are thinking of making extra daily payments ...... Perhaps it would be better for you to save the money each day in a jar until you have " looked into this " further .... Somebody on the Debt-Free Wannabe board may be able to advise you ......

almar - Hope you are feeling a bit brighter today ....

Greenbynature - Have you tried logging in again to see if you are still subscribed ? ....

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

The Good - Added £3 to my pot for today ...

The Bad - Still CHOCCY free here ..... just don't fancy any ...... but i just know that when the PAD diet kicks off tomorrow , i going to be thinking about it all day !!
!!!


Anyway to all those that are back to work tomorrow, have a great day ...... I went back on friday ...

Keep smiling .....

Weigh in day tomorrow for all PAD dieters !!

terri x ( Sorry Flying_fresian Total PAD for me today is £3 )