A Payment A Day Part 5

debt_obsessed

Usual £1.00 for me today. Think I'll be sticking at these payments for the rest of the month as the utility bills are due any day soon and don't want to leave myself short! :rolleyes:

mumofthreemonkies83

Paulgonnabedebtfree wrote: »

My suggestion is to phone them. Sometimes there are no problems if it's a "first offence". For future reference, if you take cash into a branch with the payslip from the bill, it usually gets onto the account sooner. Not sure if this is still the case now that some of the banks have a faster payments system. Not much good if there's no branch in your area. Mine is only a 10 minute walk away.

EDITED TO SAY: How dare you go overlimit. It's late payers like you that make it hard for the rest of us. Don't you know how to manage a budget competently yadda yadda yadda
Oops. Sorry. Wrong board :-)

Hey Paul
Im kicking myself right now, I only just got your post and now the kids are home I cant get to the branch
Im hoping that once they issue my online statement I can get it straightened out if I need to then what with !!!!!! idea I have proof its not my fault.

Oh and thanks for the berating :rotfl:Youd fit in a treat on CC board
Just a shame you have debt too, I dont think they allow that so youre stuck with us :rolleyes:

You do cheer me up though!
Take care all and thanks for all the help
Emma xx

Thrifty_Pixie

Flower08 wrote: »

Welcome to the madhouse!

Thanks Flower! *wibble*

Paulgonnabedebtfree

flying_fresian wrote: »

Nope, and my local council are bl**dy awful.

I knew I had arrears (2 years ago this was I think) and called them to pay with a 0% credit card I had taken out for the purpose, only to be told they wouldn't accept it as I was "taking on debt to clear their debt". Patronising beggers.

What problems are you having with them?

I'm surprised about the council's attitude. Paying stuff by CC is fine around my way. They have started charging a bit extra for that though (1.5% I think). No charge for debit cards.

helen_jelly

Hi everyone - just popping in to let you know that I'm not Padding for the time being as have NO MONEY at all. When fortune smiles on us and I can PAD then "I'll be back" but until then Good Luck to all who are managing to Pad and thank you for making me welcome

Helen x

Paulgonnabedebtfree

Ah well. Here I am £618 poorer but at least the clutch doesn't slip any more. I ended up paying it all on an MBNA 34% credit card because my other cards have LOB deals that I didn't want to contaminate. Not sure but I think it ends up beng interest free if I pay in full by the right date. As I have cheques clearing and incoming payments pending (don't I always?) I should be able to clear it on the first bill. Even if I have to leave some to the second bill, it will still be cheaper than trapping it at a standard card rate above an LOB deal.
I'm just starting to feel a little concerned that recent expenditure is pushing me back. There is now debt that hasn't gone on my sig as I tend to clear it each month but I've also started drifting into overdraft more and more.
Time to tighten everything up again. I am going to restrict my food shopping to fruit, veg, milk, bread and eggs. I have loads of pasta and rice to make things with. In fact, I have enough of them to last me well into next year.
Also, I have found getting on a roll with my work tricky after my holiday so need to push myself again.
Becoming debt free is not likely to be a smooth path. There will be fluctuations along the way I'm sure.
For me the difference is the support in the forum. At one time I would have overspent a bit and just pressed the f*** it button. Apart from the holiday, pretty much all my expenditure recently has been unavoidable. Even on holiday I pulled in the reins a bit too.
Time to batten down the hatches once more.

mooomin

Paulgonnabedebtfree wrote: »

At one time I would have overspent a bit and just pressed the f*** it button.

:rotfl::rotfl::rotfl:

I think I have that button too

mooomin

Paulgonnabedebtfree wrote: »

For me the difference is the support in the forum.

I totally agree on that.

I check the forums every day and if I don't post for a couple of days people pop up on my thread checking on me. They know that (much like real life) if I'm quiet then things have gone wrong

You seem to be doing really well though Paul and everyone needs a break sometime. I chose a new laptop instead of a break and it's worked fine for me! As long as you concentrate on that (insane rate) card at 35% and get that - as we say in Scotland - tae f*ck ASAP you'll be back on track soon

sashybo

Hi all, 50p to Barclaycard today.

No new scratching post for the kitties today. Should come tomorrow then.:j Then we will have pictures. :beer:

SueP19

Paulgonnabedebtfree wrote: »

For me the difference is the support in the forum. At one time I would have overspent a bit and just pressed the f*** it button. Apart from the holiday, pretty much all my expenditure recently has been unavoidable. Even on holiday I pulled in the reins a bit too.
Time to batten down the hatches once more.

Totally get that one, maybe we are born with this button that says "Oh f**k it"


I know I have one but since being here, someone has super glued it, so I can't press it :rotfl::rotfl::rotfl::rotfl::rotfl:Every time I spend money a little voice says
"PADing, PADing, PADing..............." Like a ghostly echo