A Payment a Day Part 3

shopgirl2512

Thanks Silaqui!:beer: You're a star! x

Right..I have just made my first PAD - hope you all don't mind me joining in!

£3.60 to CC No.1.

Have a good evening all!

sashybo

Hi all, working all weekend so haven't been about. My pad is £2 to cover the weekend plus today.

Congrats to Newmum on her new daughter. :beer:

Ninno820

Hi Shopgirl

I only started 3 days ago and decided (as part of my budgeting that i would allow myself £2 to spend each day - if I had any left then I would put it in my PaD jar and - at the end of each month- walk down and pay the cash in as an extra cc payment.

Three days in I find that I am resenting the idea of spending and nt being able to "feed" my jar. I am sure that this new enthusiasm will fade but I am loving the idae that this is spare money (ie money that i would have sworn I could not find at the end of each month yet by doing it gradually it is relatively painless.

Go on - have a go and watch those pennies grow.
Ninno

shopgirl2512

Ninno820 wrote: »

Go on - have a go and watch those pennies grow.
Ninno

Thanks Ninno! :beer: You're right! I'm going to give it a go...you have given me lots to think about. I have made my first payment, hopefully there will be 6 more this week! :T

kitty66

welcome newbies and hello old timers

my pad payment today is £1.00

kitty

Fag_ash_lil

shopgirl2512 wrote: »

Hi all! Hope you are enjoying the fabulous Bamk Holiday weather.

I'm hoping to take part in the PAD challenge, however, I was wondering how it worked...I have the basics (a payment a day!), but how do you decide how much money you are going to pay? Do you make the payments from money saved on shopping, or if you get something free do you pay the money you would have spent on the free item (IYSWIM)? Hope my question made sense...sorry if I'm being a bit thick!

Thanks!

Hi shopgirl2512

Welcome to the madhouse ! Good luck with your payment a day , either small or large it's surprising how quickly it all adds up .

Everybody has their own way of doing this , some save loose change , some round their bank accounts up or down , some use their Ebay money , or anything else they can think of !

Some people include their minimum credit card payments, others don't , basically it's whatever is the easiest for you .

Alot of us on here use internet banking and do our PAD ( payment a day ) online , others save money in a jar then every so often pay it off their debts ...

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

terri x

SarahNeedle1872

Hiya everyone, a mahoosive payment of £1.09

Sx

tomtombeanie

congrats, newmum!

well done xx

hope you & your new daughter are doing well.

any name yet?

take care xx

shopgirl2512

Fag_ash_lil wrote: »

Hi shopgirl2512

Welcome to the madhouse !

Hi Terri! Thanks for the very warm welcome and the helpful advice. :A
Everyone on here seems to be very lovely!

Hopefully, all of your fabulous advice will spur me on to great things (or at least a little let CC debt!). I think I'll mainly be adding up money every week, but I'm going to try to pay off some pennies by internet banking.

Wish me luck!:D

Smamfer

Evening all.

Up and down in my life at mo and not in the naughty way's ladies before you comment lol.

Not had chance to read back but going to update my diary and settle down and have a good read tonight so congrats to anyone who has cleared anything up, welcome to any new ones and i believe i saw a mention of a baby so congrats there.... xx

My pad's today are

£20.00 to HellitFarts Con card
£7.00 To Crapital Uno Card
£10.00 to Bf Hsbc Misery Card
£5.00 to Argos
£5.00 To Homebase

Totalling £47.00

Love to all xx