A Payment A Day Part 4

Double_Trouble

angelflower wrote: »

not made a pad for a couple of weeks now - please dont chuck me out the club

Once in you can never leave hahahahahhahhahahahahaha(that is supposed to be a menacing laugh):rotfl::rotfl::rotfl::rotfl::rotfl::rotfl:

DTxx

Paulgonnabedebtfree

supersleuth wrote: »

Hello all,

I have been reading your thread with interest as it is such good idea. I'd really like to start doing this.
Can I ask a silly question please ?
How do you actually as in physically pay off the money from the debts ??

Sorry I'm really knew to all this
Cheers

Some people put it in a pot and pay a lump sum. The bits they put in the pot are their PADs. No problem with this so long as it's not posted twice (into the pot AND the lump payment). My own preferred method is to set up bill payments to my lenders from my current account (soon to be ex-account as Abbey couldn't manage a bunk up in a brothel) and pay something each day. I count my direct debit minimum payments as PADs. Some people don't. I also count any extra payments as PADs. Currently things are very tight for me so mostly I only pay pennies per day. Some people don't have debts but count savings payments as PADs.
Any way you like really solong as they don't end up being counted twice (IMO of course).
Also, please please please highlight the PAD within your post. It makes it a lot easier for the superb person who is doing the adding up this month (that's me).

Double_Trouble

Paulgonnabedebtfree wrote: »

Also, please please please highlight the PAD within your post. It makes it a lot easier for the superb person who is doing the adding up this month (that's me).

:rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl:

DTxx

Paulgonnabedebtfree

angelflower wrote: »

not made a pad for a couple of weeks now - please dont chuck me out the club

Remember Hotel California by The Eagles.
It's a bit like that here.
"You can check out any time you like,
But you can never leave"

Showing my age now

angelflower_2

I love that song!

Double_Trouble

Paulgonnabedebtfree wrote: »

Remember Hotel California by The Eagles.
It's a bit like that here.
"You can check out any time you like,
But you can never leave"

Showing my age now

Ooh one of my favourites :T:TI ran into them in Luton airport once and was too shy to go and talk to them

DTxx

dankosheemo

cashsaver wrote: »

DANKO Weigh in today... just lost another pound:j.

slowlyfading wrote: »

£1.72 for me today to the tuition fees fund

I just weighed in today (I'm just doing it myself rather than going to meetings ) and I've lost 3lbs!! :j

Double_Trouble wrote: »

DT checking in with the weigh in

Thank God I have lost *2lb* this week back where I started at 16st 8lbs so at least I am not in negative equity weight wise any more could be because I haven't had ice cream this week:rotfl:

DTxx

Oo fab! Thanks very much for the totals so far everyone! Well done cashsaver, slowlyfading and DT! :T DT, you can treat yerself to an icecream now as WI day tends to be treat day aswell :rotfl:

Silaqui wrote: »

Hello my fellow padders!

I'm really busy today getting all my stuff ready to go and see TAKE THAT!!!!!! tomorrow as I am going straight from work at lunchtime tomoro.

So thought I'd check in to tell Paul that I have no pad and Dankosheemo that I have lost no pounds (boo - but at least I didn't put on!) and to wish the rest of you a happy weekend as I won't be online. Wow I'll have a lot of posts to catch up with on Monday...

xx

That's good news though Silaqui! Have a fab time at the Take That show tomorrow! I bet you're so excited! All my lot on Facebook who have been or going are so giddy - I'm sure you'll have a fab night

Hmmmmm no idea what to do for tea tonight! Pasta or pasta I think with no idea what. Off to raid the fridge! Thanks again everyone
xx

Double_Trouble

dankosheemo wrote: »

:T DT, you can treat yerself to an icecream now as WI day tends to be treat day aswell :rotfl:

Ooh thank you very much Danko I might just do that yumyum:T

DTxx

dankosheemo

sashanut wrote: »

VW ceramic campervan moneybox was a Christmas pressie from DD18 - TBH I don't think she realised we were serious about getting a REAL one & touring in it:eek: & is mortified I am saving in it for that very purpose :TShe thinks we're a couple of sad old g*ts.....but she's off to uni come Sept & once we clear the debt mountain.................off we go!!! TBH have not got into the splitty/bay debate as yet as probably only have enough for a windscreen wiper so far

No PAD as yet but I am having to report a weight *GAIN of 1 1/2lb* this week. However, could have been MUCH WORSE so am quite relieved with that .......will try & keep on track. Back with a PAD later....

:rotfl: It's always the debate with the OH that one, splitty or a bay! But we can only afford to spy at them and look after his MK1 Golf bless him. We'd have no where to put one anyway so maybe that's a good thing!

Don't worry about the treats as we all get them! Thanks for letting me know anyhows!
xx

Paulgonnabedebtfree

I was just going through my work spreadsheet.
It's crazy. I am on target for my highest earning month ever, yet I'm totally skint. The clue is in how much I'm owed. If the money I'm owed was in my bank account right now, I would be able to cover every penny that will be going out in the first week of the month without even relying on my reduced overdraft.
I'm a bit peeved because I am trying to shift away from Abbey gradually and start using my Co-op business account more. However, due to the depositing methods, it takes longer to clear at the Co-op. My cashflow problem coupled with the pending reduced overdraft is forcing me to do more with Abbey than I would wish.
Today, I even targetted work where people are usually in and often pay cash just so I would have something to bank. I slogged away and did about £250s worth. Of course most of them were out as the weather was so nice. So much for that plan.
Plan B is that I'm going out with friends on Saturday evening for a curry. I will try to pay by credit card and get the cash out of them. Much cheaper than credit card at the hole in the wall. It means that I can defer part of the problem till early August but I anticipate being paid for a load of work by then.
Not very MSE but hey, a guy's got to live.