A Payment a Day Part 3

lemma1968

roguelawyer wrote: »

Ok I've been lurking around the forums for a very long time, but I have to say you guys have inspired me.

I've used the calculator, I've cut down on my expenses within reason and have now got a job that pays more money (yay!) so am trying to shift the debt off.

When I totalled it up on Friday I owed a latte short of £6000, between two credit cards and my overdraft. Not a massive amount, but given I left uni three years ago and haven't started paying off my student loan, it's a bit of a problem. I have a couple of friends and family members who are at crunch point and it's woken me up sooo...

I counted up the contents of my coin jar and made a payment to my credit card. I reduced down my buffer zone savings (if it earns 8p a month versus the interest on my credit cards then why bother).

I've also been decluttering my flat for the first time since i moved in :eek: and miraculously found two building society passbooks that I had completely forgotten about, and hadn't been touched since 2007, so went and closed out the accounts and made another payment to the credit cards.

Thanks to you guys I've paid off 11.5% of my debt since Friday, and am trying as many bits and pieces as possible to get the cards sorted.

Welcome to the Madhouse.:eek:

When you make a PaD , write down what you paid and put in Bold and in colour so that it can be added into each days total.

Good Luck!:j

Fag_ash_lil

roguelawyer wrote: »

Ok I've been lurking around the forums for a very long time, but I have to say you guys have inspired me.

I've used the calculator, I've cut down on my expenses within reason and have now got a job that pays more money (yay!) so am trying to shift the debt off.

When I totalled it up on Friday I owed a latte short of £6000, between two credit cards and my overdraft. Not a massive amount, but given I left uni three years ago and haven't started paying off my student loan, it's a bit of a problem. I have a couple of friends and family members who are at crunch
point and it's woken me up sooo...

I counted up the contents of my coin jar and made a payment to my credit card. I reduced down my buffer zone savings (if it earns 8p a month versus the interest on my credit cards then why bother).

I've also been decluttering my flat for the first time since i moved in :eek: and miraculously found two building society passbooks that I had completely forgotten about, and hadn't been touched since 2007, so went and closed out the accounts and made another payment to the credit cards.

Thanks to you guys I've paid off 11.5% of my debt since Friday, and am trying as many bits and pieces as possible to get the cards sorted.

Hi roguelawyer

Welcome to the madhouse ! On this " thread " we try to make a PAD ( payment a day ) to either credit cards , other debts or even to savings accounts .... Either small or large it's surprising how quickly it all adds up .....

Everybody on here is very friendly which really helps to keep you motivated ...

You've done really well since Friday in managing to decrease your debt by 11.5% ....

You will find lots of great money saving ideas on here and the other boards which i'm sure will help you .....

All the best ....

terri x

bunty109

£16.50 for me. This includes some money I won in the PTA monthly draw!

Fag_ash_lil

peeps ...

Hope that you are all ok ...

Quick post from me today ...... as i'm totally knackered ! ...

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

The Good - Paid £15 to visa ...
Added £2.31 to pot ( saturdays PAD )
Added 8p to copper pot ...

The Bad - CHOCCY free day here today ..... that's 2 days running now ! .... So i'm as ratty as hell and in desperate need of a CHOCCY fix ..... God help the newsagent if he's not open on time at 5.30 am tomorrow morning ! :eek: ....

What's everybody been up to over the weekend ? Anything exciting :question: ...

I haven't been up to much .... Met up with some friends for a coffee .... well diet coke ! .... on Saturday morning ..... Then we all had a chinese for lunch ..... It was really Yummmmmmmmmmmmy ! ....Very MSE as they do a " cheapo " lunchtime jobbie ! ....

Oooooooooooh i put a couple of small bets on the Grand National
... Mine came in 2nd and 4th .... so am due a teeny weeny amount back ..... better than a kick in the arris i suppose ! ....

I spent today sorting out a load of paperwork ..... sh*te job ..... but it's done now ! ....

Oh ...... and Facebook ...... What can i say ..... I just can't see the big attraction ? ...

I see the " remove the thanks " button has now disappeared ! ....

Anyway enough of my bull ! ...

Catch you all tomorrow ...

Keep smiling ...

terri x ( My total PAD for Sat and Sat is £17.39 )

mooomin

By the way, I have now deactivated my Facebook page - I didn't sign up with my real name (Believe it or not my name isn't Flyin!) and there isn't too much point to it for me.

So, I'm not being rude if you "added" me on Facebook, it's just not my thing

moneymagic

Ok dearies....
Mon PAD is... £3

It's all adding up

MM xx

Paulgonnabedebtfree

£175.04 PAD min payment to a cc.

Paulgonnabedebtfree

flying_fresian wrote: »

By the way, I have now deactivated my Facebook page - I didn't sign up with my real name (Believe it or not my name isn't Flyin!) and there isn't too much point to it for me.

So, I'm not being rude if you "added" me on Facebook, it's just not my thing

I never even got as far as receiving a confirmation email from Facebook. A gremlin or two in the system I think.

jenchin66

Morning all

Pads over weekend and today £24.77

Hope you all had a good weekend.

boysma

Hi everyone

£10.00 to Cap One for me today and £10.00 to DHs Cap one account - total £20.00 PAD for me today:j Actually won £6.50 on euromillions on Friday night - guess i wont go too crazy with those winnings:D Would love to have had the Grand National winner. Only 13 days to our holiday now, can't wait especially as the Easter break is supposed to be a bit of a washout here.

Catch you all later.