A Payment a Day Part 2!

paybacktime2008

Ive heard of a box of balloons.....be good for the two little ones. Just find the biggest cardboard box you can and fill it with blown up balloons! bingo! How about a baby sitting 'voucher' for your sister in law. If your niece lives close give her a 'voucher' for a baking session with aunty...then make fairy cakes with lots of sweets to decorate...messy good fun and better than a bit of plastic.

moo2moo

Books make fab presents. When you've a bit more time try The Book People. They have loads of books which work out a £1 each or less. P&P is free if you spend £25 and theres Quidco too.

ElizabethJH

Just £1 to MBMA here - been snowing all day, not sure whether we're heading home early again today fingers crossed!!

Maisie_M

Hi Folks

£134.28 for my PAD today.

Paid the hotel bill for a wedding we are going to in August on my M&S and it was on the transactions page on the internet when I looked today so paid that off before it accrues any interest:D So nice to actually use the cc responsibly and have some money to pay it off as soon as it hits the card plus some interest I had accrued last month so that card is still clear - wayhay.

Also paid a £1 to my PAD account and when I looked there was £105 in there so I paid that off my tesco cc. I'm nearly at the £400 mark on that one, which is great cause it started off at £701.54 when I started this challenge in November and the minimum payments were only £21. I would never have cleared that much if it hadn't been for this thread.:T

However in saying that my asda cc is ending its 0% on 18th March and will be 22.32% interest:eek: and my tesco one is 16.9% so I am going to concentrate on getting rid of the asda one and then back to tesco - the cc hokey kokey!!!! So will temporarily change my signature to reflect my new plan of attack.

Fag ash lil - I am in Central Scotland. The snow is melting but there was another flurry of snow when I was picking the little one up from Nursery lol.

Greenbynature

Hi all
It's snowing here again :rolleyes: payday today :j
Well done all those who've paid their credit cards off :T unlike Terri my memory isn't what it used to be and I forget half of what I've read on other peeps posts
Great news your washer didn't cost much to get fixed big beff :T
Terri -hope you managed to get up on time this morning?? Don't blame you sleeping in tho its freezing on a morning - would much rather stay snuggled up in bed
Dankosheemo sorry to hear about Egg :mad: I'm with them too but haven't had an email yet!! although they put my min payment up last month from £82 to £108 :mad: and this month they took £109!!! swines!!! thevinternet I'm one of those who got the boot from egg last year too am just slowly paying it off got a long way to go yet tho as I owe £3800 on it!!! :mad:
Got my statement from Cap1 and they've charged me £71 in interest!!!! :mad:
Pad today is £5.05 to cap1 cc and £2 to tin and 4p to copper jar
Total: £7.19

thevinternet

Greenbynature wrote: »

Dankosheemo sorry to hear about Egg :mad: I'm with them too but haven't had an email yet!! although they put my min payment up last month from £82 to £108 :mad: and this month they took £109!!! swines!!! thevinternet I'm one of those who got the boot from egg last year too am just slowly paying it off got a long way to go yet tho as I owe £3800 on it!!! :mad:

Lol - we are the Egg Rejects Greenie :beer: - ought to form some kind of club.

I wonder if our interest will go up too? I keep checking my email and post, but nothing so far. Fingers crossed it stays the same! (I've long since given up hoping that it will go down!!) xx

debt_cruncher

Hi folks

Its been snowing a little bit here today for the first time.

My PAD is £244.85.

£239.85 of the mortgage
£5.00 of the halifax card

Catch up will u all tomorrow.

DC

Beencounting

Hi again

My ickle brain must be working overtime today

As the kids haven't been in school most of the week, I have a saving on my 'Dinner Money' budget, so decided to pay an extra £15.05 PAD to Egg before the money disappears into the bottomless pit of the current account!

It's taken me all week to work that one out he he!!:rotfl:

Been

Debt_Free_Dreamer

£5.05 PAD today

Resisting the urge to go to the shop and buy an expensive sandwich. Going to have a coffee and eat when I get home. Planning to leave soon because of the snow, so it will not be long.

And the £10.00 standing order came out of my account too! So £15.05 towards the kitchen.

Bank of England cut the rate to 1% :j :j

BelfastGirl_2

Hi everyone!
The snow finally arrived here in N. Ireland, though sadly not enough to justify staying at home. Fingers crossed for more tonight; would LOVE a day in bed!!

Congratulations to all those who have managed to clear a card or other debt this month, and also to those who, like Weebag, are well on target for getting one cleared this month :T:T I love that feeling.

I used to have an Egg card, I was one of those thousands they closed accounts on. Thankfully, I was able to get it cleared very quickly after the announcement, thanks to an unexpected windfall! I've had my A&L card hike their interest rates again - twice in about 6 months, and of course Crapital one did the same recently. It's pretty hard to keep on top of all the changes, especially when you're trying to snowball!

Flower '08 - I hope you're having a better day today than yesterday.

I haven't made my PAD today yet. I'm going to set up a PAD account today when I get home, make my daily payments into it and then once a month clear it out. I'm finding it too much of a bother to make a payment any other way! I need it to work for me, or I'll get fed up and stop! I don't want to do that, as I'm very aware that I've made extra payments of >£30 since starting this about a fortnight ago; I wouldn't have otherwise. This brings the credit card I'm currently tackling down below £400.

Does a successful reclaim of credit card charges fall into the category of PAD?! If so, it's £396!