A Payment a Day Part 2!

Fag_ash_lil

Hello peeps

Hope you are all ok ...
my mess - Hi Good luck with your payment a day , either small or large it all helps towards our goal of being debt free ....

Hopeful1 - Fingers crossed that you " get away " with the Halifax charge ....

paybacktime2008 - Thanks very much for yesterdays total , i'm sure that it's much appreciated by us all ...

bunty109 - Hope you had a lovely day sledging .....

LondonAndy - Hope you are feeling alot better today ...

Double Trouble - Hopefully your internet problems are all " sorted " now ..... Hope you managed to get your mystery shop done ....
mumzyof2 - Well done in clearing your credit card .... I can see why you are excited about it .... Glad your neck is a bit better today .... What have you done to it ? .... Lovely of your friend to look after your little ones while you had your bath in peace .....

Flower08 - Sorry to hear that you are still unwell ..... Hope you feel better soon ....
joeyjimbles - Well done on losing 1 lb .... That's great ...

Greenbynature - Very sorry to hear that your DS2 crashed his car today ...... I can imagine that he is not happy at the moment and i'll bet the air is " blue " in your house ! ..... The main thing is that he is ok ....... Luckily the road was clear when you skidded as well ..... Do your dogs like going out in the snow ? ....

Paulgonnabedebtfree - Sorry to hear that you are having a really rough time again , due to not working in this weather ..... I think you have made a good choice in using your credit card cheques ...... Are you still researching your family tree ? ..... if so , how's it going ? .....

boysma - Great news that you have managed your 1st NSD ..... One down , just 9 to go ! ....
chuckley - Holy sh*te ! .....Nobody could make that story up ! ..... You must have been well " peed off and knackered " when you finally got home ....

Naughtynat - You sound alot happier today ...... Seeing your friends yesterday must have done you alot of good .... Looks like things are finally looking up for you , PAD money today and gas ...... Am pleased for you ......

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

The Good - Paid £45.00 to dotty p's ....
Paid £12.38 to virgin ....
Added £1 to my pot ...

The Bad - CHOCCY free day today ....... but ....... i had some cake instead ! .....

As you all probably know by now ......i love the snow ! ........ it snowed heavily here yesterday and i was dreading going to work because when it snowed a little while back i bombarded everybody with snowballs .......and i do mean bombarded them ! ...... nobody got me back that day and they all swore they would the next time it snowed ....

Anyway i headed off to work very early ....... Ooooooooooooh lovely crisp snow that nobody has walked on ! ........ I got to work ...... " showed willing " for about 15 mins then went out to play ! ........ We have a window ledge which i lined up with snowballs ready to pounce ! ...... Everybody that walked past or that was coming into us got bombarded with them ! ........

I happened to move away from the ledge and suddenly 6 of my " victims " had decided to try and get me back ..... and the cheeky s*ds were using my snowballs ! .......yes ...... my snowballs ! ..... I can't believe that not one of them hit me ! ..... I was running around like a mad woman avoiding them ! ...... Other people that were passing by joined in ........ i suppose at one point there must have been around 30 adults all acting like total lunatics ! ....

So a very good morning was had by all ......... I am the " champion snowball dodger " ! ...... I might need to lose a couple of lbs , but i can still " run like the clappers ! " ......Speedy gonzales , eat your heart out ! ......

The forecast here is for heavy snow again tonight .......in which case hopefully if we are not too busy at work , it will be a repeat performance of today ! ................... Hmmmmmmmmmm am not sure if my luck will hold out for the 3rd time ....

Anyway enough of my ramblings ....

Catch you all tomorrow .....

terri x ( My total PAD today is £58.38 )

katie2407

morning everyone no more snow over night let hope the gritters have been out on the main road as I have to go to work soon

pad £10 to cc

mumofthreemonkies83

Good morning guys
Hope youre all good?

Thank god its Tuesday again

Today I have paid..........
£0.49 to Lloyds tsb cc
£79.51 to cc2 (only use this occasionally for smaller purchases then pay off in full as its 3 months interest free :T )
£304.13 to Capital one (got around £400 still to clear this month

Total today:384.13 !!!!!!!!!!!

Hope everyone has a succesful day and drive safely guys, its icy out there where I am

Mumof4

Editer to bolden my total before anyone notices

mooomin

Morning all!

All our snow seems to have gone :eek:

PAD of £3.00 to Overdraft Begone account for me.

Have a lovely Tuesday!

jenchin66

Morning all

No more snow here, everything is frozen solid.

Pad today £105.03

LondonAndy

Just £1 to Egg this morning - might see if I can spare a few more pennies later. Back to work today, pleased to report that I'm back fighting fit (meaning back to work and no Jeremy Kyle etc...actually thats a GOOD THING!!!)

Have a great day everyone.

paybacktime2008

:T I've got the day off cos school is closed.....oh dear what a shame;)

The snow must of made us all feel generous because yesterdays total was a whopping

£1805.57

:j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :T :T :T :T :T :T :T :T :T :T :T :T :T :T :T :T :T


P.s thanks for the bold and coloured totals it makes a huge difference!

Can you tell I'm not a smily expert?

panambi

Good morning!
Here in Manchester it was snowing heavily all day yesterday but kid's school was not closed :T. This morning I woke up and realised all snow has gone :j - I prefer it that way.

Sold a few items on Ebay so that goes to CC. My payments today are £22.88 to CC, £2 to holiday fund and 30p to jar. Total PAD £25.18

Paulgonnabedebtfree

Fag_ash_lil wrote: »

Hello peeps

Paulgonnabedebtfree - Sorry to hear that you are having a really rough time again , due to not working in this weather ..... I think you have made a good choice in using your credit card cheques ...... Are you still researching your family tree ? ..... if so , how's it going ? .....



terri x ( My total PAD today is £58.38 )

Terri. I love your posting style. They are absolute classics. You should print them off and hang them in the national gallery.

As for the credit card cheque. I did feel uneasy at first about it but I'm pretty sure I did the right thing in the end. It wasn't caused by spending splurges. I did it to
a) pay my tax bill (which would be at a higher - though pretty reasonable - interest rate)
b) pay my accountant
c) pay another credit card off that is at a much higher rate
d) pay off my overdraft that is also at a much higher rate
e) to pay some bills that are going out by direct debit over the next few days. This is the only item that I had reservations about. However, these DDs stood to put me back in overdraft or, even worse, they may have just put me over my OD limit without that cheque.
f) Another reservation here. I allowed a bit extra to give me a small cushion in case the bad weather is a bit more prolonged than is usual.

However, regarding (f), having that small cushion is OK these days as I am far less wasteful with money than I was before. I haven't got it perfect yet but in three short months I have gone 75% of the way to turning around lifelong bad habits. So when I do get it a bit wrong, I need to remember that.
What's that line in Desiderate "Enjoy your achievements as well as your plans".
My self assessment of my new found frugality is "Doing well. Still room for more improvement." I'll take that for now.
With the CC cheque, the key for me is to up my income and further reduce my spending over the next few months. I will be doing both.

The genealogy is taking a back seat for the moment. I've done the relatively easy stuff with it so far. The rest is going to be more time consuming. I prefer to spend my non work time at the moment with planning to cut spending and increase income. This involves gradually clearing the garage so that I can save the £9 a week rent (a business expense but any saving there means larger profit so more take home pay) and targetting potential new customers. I will also be drastically reducing my advertising spend with Yello Pages. This is because, in my line of work, it is more profitable to target the (right) customers rather than letting the customers find me.

Glad to see you are posting well Terri and best wishes to you.

njk0327

Another £1.03 to the egg card for me today, i'm waiting for a few payments to hit the bank so i can start hitting this one harder. Not sure if i can do it but i wan't it paid off before the end of the month