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A Payment A Day Part 4

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  • angelicmary85
    angelicmary85 Posts: 4,977 Forumite
    O.k so been on the phone to MBNA - my payment hadn't gone through so I've made it today insted!

    Pad for me today is £2.00

    I received a letter this morning about going to a 'special' playgroup...the letter basically tells me that I have to go and meet other parents. There is also a phone number for a lady with a ds child who is happy for me to call her at anytime if I want to speak to her...Am I just being a bit dramatic or is that a bit forward? I told them I didn't want any of this kind of thing for months yet. I know I'm harping on quite alot about people interfering but jeez oh - I wish they would just leave us alone!
    Started PADdin' 13/04/09 paid £7486.66 - CC free 02/11/10
    Aim for 2011 - pay off car loan £260.00 saved
    Nerd No. 1173! :j
    Made by God...Improved by the The Devil :D
  • InaPickle
    InaPickle Posts: 5,968 Forumite
    1,000 Posts Combo Breaker
    Hi all, I just wanted to check I got something right. Isn't a PaD supposed to be on top of what you are already paying out each month as an extra? Say, for example, I have to pay my minimum balance on my credit card on Monday, but I pay £10 more on top of the balance. If the minimum payment was £50, so overall I pay £60, haven't I made an extra PaD of £10 as the £50 was going out anyway?

    I think I might have got this system all wrong! :rolleyes: :eek:
    Please call me 'Pickle'
    No More Buying Books: ???
    No More Buying DVDs: ???
    NMB Toiletries ??? and I've gone back for my Masters at the University of Use Ups!
    P
    roud to be dealing with her debts 1198~

  • O.k so been on the phone to MBNA - my payment hadn't gone through so I've made it today insted!

    Pad for me today is £2.00

    I received a letter this morning about going to a 'special' playgroup...the letter basically tells me that I have to go and meet other parents. There is also a phone number for a lady with a ds child who is happy for me to call her at anytime if I want to speak to her...Am I just being a bit dramatic or is that a bit forward? I told them I didn't want any of this kind of thing for months yet. I know I'm harping on quite alot about people interfering but jeez oh - I wish they would just leave us alone!

    Its quite a difficult one, but I dont think I would like to be told what to do, but I would add that Fraser and I go to a Special Needs group and its been a fantastic support. I wouldnt of taken him as a baby though, as there would not have been much point iyswim, but in the future you may find the support etc helpful. It depends on what kind of group it is. We joined one support group which was very 'woe is me', people comparing how difficult they had it etc, which was awful. The playgroup we go to now has helped us access Makaton classes, Occupational Therapy and Courses to help with Frasers speech and development.

    Give the lady a ring, she might help you make your mind up either way, but you might need the support in the future iyswim.

    Anyway £43 to Capital One this morning, which brings my total in at under £250 :j when I started PAD in October it was £1600 :eek:
    Moving on up :o SPC #382 ~ £40 banked
    12k in 2016 #15. £541.91/£3000
  • Double_Trouble
    Double_Trouble Posts: 4,375 Forumite
    InaPickle wrote: »
    Hi all, I just wanted to check I got something right. Isn't a PaD supposed to be on top of what you are already paying out each month as an extra? Say, for example, I have to pay my minimum balance on my credit card on Monday, but I pay £10 more on top of the balance. If the minimum payment was £50, so overall I pay £60, haven't I made an extra PaD of £10 as the £50 was going out anyway?

    I think I might have got this system all wrong! :rolleyes: :eek:

    Hi InaPickle it is entirely up to you I have always only counted the extra payments which is why I can't PAD at the moment but others include the minimum payments reckoning that all payments count we don't have any hard and fast rules - except once you join you can never leave :rotfl:so do what feels right for you.

    DTxx
  • SueP19
    SueP19 Posts: 1,882 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    O.k so been on the phone to MBNA - my payment hadn't gone through so I've made it today insted!

    Pad for me today is £2.00

    I received a letter this morning about going to a 'special' playgroup...the letter basically tells me that I have to go and meet other parents. There is also a phone number for a lady with a ds child who is happy for me to call her at anytime if I want to speak to her...Am I just being a bit dramatic or is that a bit forward? I told them I didn't want any of this kind of thing for months yet. I know I'm harping on quite alot about people interfering but jeez oh - I wish they would just leave us alone!
    We had epilepsy groups thrust upon us like crazy and the looks you get when you decline!!!!! I swear I must have horns outa my head and growing a tail..............I am sure DD is much better for not going to them, she is well adjusted and her attitude is "your problem not mine" :rotfl::rotfl:
    Debt Free Diary - Second Chances! Life in a Tourer........Debt free, building a savings pot
  • SueP19
    SueP19 Posts: 1,882 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Its quite a difficult one, but I dont think I would like to be told what to do, but I would add that Fraser and I go to a Special Needs group and its been a fantastic support. I wouldnt of taken him as a baby though, as there would not have been much point iyswim, but in the future you may find the support etc helpful. It depends on what kind of group it is. We joined one support group which was very 'woe is me', people comparing how difficult they had it etc, which was awful. The playgroup we go to now has helped us access Makaton classes, Occupational Therapy and Courses to help with Frasers speech and development.

    Give the lady a ring, she might help you make your mind up either way, but you might need the support in the future iyswim.

    Anyway £43 to Capital One this morning, which brings my total in at under £250 :j when I started PAD in October it was £1600 :eek:
    Thats why I didn't want to go :D
    Debt Free Diary - Second Chances! Life in a Tourer........Debt free, building a savings pot
  • CommitedToChange
    CommitedToChange Posts: 1,325 Forumite
    edited 4 July 2009 at 12:00PM
    £2 Pad to next for me please, (£17 balance now) - that includes £1 for yesterday that I forgot to make, earnt £10 delivering flowers for an hour but gonna use that as emergency money for my friends b'day night out tonight - if I don't spend it I'm gonna PAD it tmrw (but sure it will get spent:rolleyes:)
  • angelicmary85
    angelicmary85 Posts: 4,977 Forumite
    Its quite a difficult one, but I dont think I would like to be told what to do, but I would add that Fraser and I go to a Special Needs group and its been a fantastic support. I wouldnt of taken him as a baby though, as there would not have been much point iyswim, but in the future you may find the support etc helpful. It depends on what kind of group it is. We joined one support group which was very 'woe is me', people comparing how difficult they had it etc, which was awful. The playgroup we go to now has helped us access Makaton classes, Occupational Therapy and Courses to help with Frasers speech and development.

    Give the lady a ring, she might help you make your mind up either way, but you might need the support in the future iyswim.


    Thanks, I thought the same thing (not seeing any point as a baby) but it seems as though we're being pushed into doing things already when I wanted to wait until he was a few months old. I know this is going to sound really shallow but I don't really know any kids with difficulties (there's a wee girl around the corner with cerebal palsy - not sure how to spell it! She's the only one I know of) so I'm a bit worried that it might freak me out a bit :o I would understand going if I was dealing with it very well but I don't want to be made to listen to horror stories of other people's experiences when my experience will differ as it would with any child.

    The first group you went to sounds awful and I'm thinking that this one might be the same...maybe I'm just being a wee bit quick to judge?
    Sounds like the group you joined 2nd time round has really helped Fraser though.
    Started PADdin' 13/04/09 paid £7486.66 - CC free 02/11/10
    Aim for 2011 - pay off car loan £260.00 saved
    Nerd No. 1173! :j
    Made by God...Improved by the The Devil :D
  • angelicmary85
    angelicmary85 Posts: 4,977 Forumite
    SueP19 wrote: »
    We had epilepsy groups thrust upon us like crazy and the looks you get when you decline!!!!! I swear I must have horns outa my head and growing a tail..............I am sure DD is much better for not going to them, she is well adjusted and her attitude is "your problem not mine" :rotfl::rotfl:


    Why does everyone automatically assume you want these things?? :confused:
    Started PADdin' 13/04/09 paid £7486.66 - CC free 02/11/10
    Aim for 2011 - pay off car loan £260.00 saved
    Nerd No. 1173! :j
    Made by God...Improved by the The Devil :D
  • angelicmary85
    angelicmary85 Posts: 4,977 Forumite
    JulieK1313 wrote: »
    £2 Pad to next for me please, (£17 balance now) - that includes £1 for yesterday that I forgot to make, earnt £10 delivering flowers for an hour but gonna use that as emergency money for my friends b'day night out tonight - if I don't spend it I'm gonna PAD it tmrw (but sure it will get spent:rolleyes:)

    How's the, em, phone call business going?? :D
    Started PADdin' 13/04/09 paid £7486.66 - CC free 02/11/10
    Aim for 2011 - pay off car loan £260.00 saved
    Nerd No. 1173! :j
    Made by God...Improved by the The Devil :D
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