A Payment A Day Part 4

macgirl

Paulgonnabedebtfree wrote: »

So - a way of getting 10% discounts on clothing so long as you use the facility properly.

I got my fingers burnt with the Topshop card (same company, Burtons, Dorothy Perks, Wallis etc). 10% off - great! Then every time I went in there it seemed easier to put it on the card and forget about it.
I can't remember how much the APR was - but it was pretty horrendous. (Just checked 29.9% :eek::eek::eek:)
Anyway, paid it off (or did I transfer the balance - therefore STILL paying it off? :mad:), but vowed never again.
Even though that was before my MSE posting days, once bitten and all that....

For those that are disciplined, it's a good idea!

mumofthreemonkies83

Hi guys

Long time no post :mad:, Needless to say ive been off the wagon for a while too.
Its the kids being off school mostly, we cant afford a summer holiday so weve been at home throughout and this incurs epenses in itself.
Weve done loads of day trips including Blackpool yesterday, cinemas twice, parks and museums etc.Its not been very cheap when you incur travel expenses for all of us but weve enjoyed it and they go back next fortnight so can get back on the PaD wagon.

Ill update my sig shortly but its still up at £4600 ish
Pad for today is £4.80 to Platinum.
Glad to hear youre all doing okio, congrats on the career moves Danko,
Glad you enjoyed the holiday Paul and thanks for the tip alhough with my credit rating they wouldnt even give me the blank card, let alone the credit :eek:
Andy, good luck in the new job
Terri, hope youre back again soon
Mac, thanks for totalising, youre doing a grand job
Hopeful, hope you manage to sort things with df, hows the pregnancy treating you?
DT, oh to be where you are now, do you fancy a houseguest
Hello to the newbies and oldies alike :rotfl:
Oh I agree too Angelic, piccies please

Big hugs to everyone else and hope to get back into the swing from today

Mumof4 xx

Paulgonnabedebtfree

macgirl wrote: »

I got my fingers burnt with the Topshop card (same company, Burtons, Dorothy Perks, Wallis etc). 10% off - great! Then every time I went in there it seemed easier to put it on the card and forget about it.
I can't remember how much the APR was - but it was pretty horrendous. (Just checked 29.9% :eek::eek::eek:)
Anyway, paid it off (or did I transfer the balance - therefore STILL paying it off? :mad:), but vowed never again.
Even though that was before my MSE posting days, once bitten and all that....

For those that are disciplined, it's a good idea!

Well I see you highlighted the bit about using the facility properly.
Of course it's a totally lousy idea if someone feels unable to excercise restraint. The APR is indeed 29.9%. It's sod all if you pay the full bill. I may actually get saddled with the £2.02 interest for the first month but I don't mind for one month as it still represents a saving on the full retail price. In fact, so long as I pay it off by month 4, it would still be a saving though obviously a much smaller one.

macgirl

Hi Mumof4!

Nice to see you - though I know you've been watching!
Yes school holidays must be expensive with 4 - it's bad enough with 2 (and one of them's in nursery!)
Nevermind, I'm sure you've had fun and will be back on track in no time.
I've got a feeling September will be a bumper PAD month, as there seem to be a few Padders MIA this month :rolleyes:

Take care x

macgirl

Paulgonnabedebtfree wrote: »

Well I see you highlighted the bit about using the facility properly.
Of course it's a totally lousy idea if someone feels unable to excercise restraint. The APR is indeed 29.9%. It's sod all if you pay the full bill. I may actually get saddled with the £2.02 interest for the first month but I don't mind for one month as it still represents a saving on the full retail price. In fact, so long as I pay it off by month 4, it would still be a saving though obviously a much smaller one.

Exactly, but as you said, there is a canny loophole for those who can exercise Self-Control. As has already been noted on this thread - I can't! :rotfl:

SarahNeedle1872

Paulgonnabedebtfree wrote: »

Well I see you highlighted the bit about using the facility properly.
Of course it's a totally lousy idea if someone feels unable to excercise restraint. The APR is indeed 29.9%. It's sod all if you pay the full bill. I may actually get saddled with the £2.02 interest for the first month but I don't mind for one month as it still represents a saving on the full retail price. In fact, so long as I pay it off by month 4, it would still be a saving though obviously a much smaller one.

I think your idea is great Paul, even with one month's interest, you're still saving... sadly I'm with macgirl with the restraint though..... I don't have any either

Sx

jo41

Morning all.
Happy Sunday. Hope you're all doing ok.
£25 for me today to the OD and Visa please mac (Totaliser).
Hopeful sorry to read your post. You're obviously very strong though so keep your chin up and try and keep OH talking about the problem and acknowledging that it is a problem. Don't forget to look after yourself as well:D It sounds like your lttle one is a star too like you:A
Have a great day all!
sorry Know its naff but it made me laugh :rotfl:
Jo x

SarahNeedle1872

mumofthreemonkies83 wrote: »

Hi guys

Long time no post :mad:, Needless to say ive been off the wagon for a while too.
Its the kids being off school mostly, we cant afford a summer holiday so weve been at home throughout and this incurs epenses in itself.
Weve done loads of day trips including Blackpool yesterday, cinemas twice, parks and museums etc.Its not been very cheap when you incur travel expenses for all of us but weve enjoyed it and they go back next fortnight so can get back on the PaD wagon.

Ill update my sig shortly but its still up at £4600 ish
Pad for today is £4.80 to Platinum.
Glad to hear youre all doing okio, congrats on the career moves Danko,
Glad you enjoyed the holiday Paul and thanks for the tip alhough with my credit rating they wouldnt even give me the blank card, let alone the credit :eek:
Andy, good luck in the new job
Terri, hope youre back again soon
Mac, thanks for totalising, youre doing a grand job
Hopeful, hope you manage to sort things with df, hows the pregnancy treating you?
DT, oh to be where you are now, do you fancy a houseguest
Hello to the newbies and oldies alike :rotfl:
Oh I agree too Angelic, piccies please

Big hugs to everyone else and hope to get back into the swing from today

Mumof4 xx

Hiya Mumof4, don't worry too much about falling off the wagon, there seems to be a few of us at the minute! You're right about the summer hols, they are expensive....

TC

Sx

macgirl

Hi Sue/DT
Can I be a pain and ask you to post the link to the bingo/scratchie sites again please?! I searched the forums, but can't find the right post....
I joined Butlins Bingo, but need to join one from the other group. I also finally joined Quidco - very excited about that one - so will join thr bingo through that.

Right off to do something productive. Got loads to do today as well as cleaning for my Mum with the broken foot!
Have a good day everyone!

SueP19

Here you go

Scratchie/Bingo thread

I subscribe to the thread, so as not to loose it, I can never remember where they are, otherwise.