A Payment a Day Part 2!

Flower08

mum_of_three_+_labrador wrote: »

Terri - promised you an update on my visit to Jamie Oliver's so here goes IT WAS FAN-BLOODY-TASTIC!!
I had the 'world's best olives' on ice, served with tapande and 'music' bread. Truffle tagliatelle and the 'ulitimate chocolate and banana brownie' served with bourbon vanilla icecream, all washed down with organic wine YUMMY!!:p
Was a really great day, spent the day in Bath before going to the restaurant for the evening.

Me jealous?? Never! :rotfl: :rotfl:

asllgreg

Hiya everyone. I love this thread it makes me think before I spend money now lol. I always think, I could use this for a PAD.

Todays PAD £1.63 to nasty Next

Lindsay xxxx

PigginSkint

LondonAndy wrote: »

I gotta try this one !! Sounds so wrong but yummy at the same time !!

Believe me - it is a winning combination!

tobedebtfree_2

Hi Everyone

I have a question and was hoping that you folks might be able to help. As you know I have been using the snowball and was fiddling about with the figures on it this evening.
The snowball says something like that in some instances it might be more cost effective to pay of a small debt sooner with a lower apr sooner.....so my smaller debt is approx £3000 at 26.80% with current min payment of £75pm and the higher debt approx £14000 at 34.9% with a current fixed payment of £360pm.....I am currently paying my PADs to the higher debt and the higher interest rate; but would it actually be cheaper for me to clear the lower debt with the lower interest rate first???
Looking at the higher debt it would probably take me in excess of 3yrs to repay if I continue paying towards eliminating this debt first.
If I were to change to paying the lower debt first I could do that in approx 1 yr; probably less.
I'm not bothered about hte psychological factor just the numbers.
Can someone please help me with this???
Thanks
xx

Double_Trouble

tobedebtfree wrote: »

Hi Everyone

I have a question and was hoping that you folks might be able to help. As you know I have been using the snowball and was fiddling about with the figures on it this evening.
The snowball says something like that in some instances it might be more cost effective to pay of a small debt sooner with a lower apr sooner.....so my smaller debt is approx £3000 at 26.80% with current min payment of £75pm and the higher debt approx £14000 at 34.9% with a current fixed payment of £360pm.....I am currently paying my PADs to the higher debt and the higher interest rate; but would it actually be cheaper for me to clear the lower debt with the lower interest rate first???
Looking at the higher debt it would probably take me in excess of 3yrs to repay if I continue paying towards eliminating this debt first.
If I were to change to paying the lower debt first I could do that in approx 1 yr; probably less.
I'm not bothered about hte psychological factor just the numbers.
Can someone please help me with this???
Thanks
xx

The debt with the higher interest rate should be paid off first as long as there are no penalties for paying earlier and as long as the interest has not been frontloaded people sometimes pay off their smaller debt just to motivate them but as you said this does not bother you then go for the highest rate.

DTxx

Paulgonnabedebtfree

Getting in early for a Friday PAD.

£50.13 to a CC

NO-BRAIN

Not made a payment in a few days as lifes been upside down

PAD £5 to vanquis

Fag_ash_lil

mum_of_three_+_labrador wrote: »

Hi everyone,

.

Terri - promised you an update on my visit to Jamie Oliver's so here goes IT WAS FAN-BLOODY-TASTIC!!
I had the 'world's best olives' on ice, served with tapande and 'music' bread. Truffle tagliatelle and the 'ulitimate chocolate and banana brownie' served with bourbon vanilla icecream, all washed down with organic wine YUMMY!!:p
Was a really great day, spent the day in Bath before going to the restaurant for the evening. Got 2 bargains in the upmarket charity shps in the city, brand new Calvin Clein jeans for OH and brand new adidas footie boots for DS2, both for £8!!:T

Finally got my car back, along with £200 bill:mad: :mad: That's £500 I've paid the garage in a month! My credit card balance is going up instead of down!:mad:

Oh and the missing mattress turned up today, at the same time as the refund hit my account HHMMMM, do I tell them or let them find out in their own good time?:rotfl: :rotfl: :rotfl:

Anyway no pad today but hoping to make one tomorrow.

XX

Hi ya ,
Oooooooooooooh i'm sooooooooooooooooooo jealous ! ..... Your meal sounds really yummy .... I would " murder " for a choccy and banana brownie at this moment in time ! .... I think you said " work were treating you all " , but what were the prices like ? ...... not that i could afford to go ! .....

You got 2 great bargains from the charity shop .... well done ! ....

I would " keep quiet " about the mattress and wait to see what happens ! ......

Sorry to hear that your car cost sooooooooooooo much too repair, but i suppose at least you have it back now ...

Oooooooooops have just noticed the time ..... i'd best get my " aris "
in gear and get to work ! ....

terri x

pippo

Hi Peeps,
I've been missing in action for a couple of days and need to catch up!
Never mind
Pad = £10.13
it is really for yesterday, but I don't mind where you count it Andy..
Hope to be back later with a bigger payment as OH has come theough with some real folding paper money!:j
Happy Poets day,
Pip
x
Planning to P O E today and put some of that dosh in the bank!

mooomin

Hi all

£3 PAD for me.

Thank Crunchie it's Friday