A Payment A Day Part 5

Paulgonnabedebtfree

Flower08 wrote: »

Im sending my bank details as we speak......


oh did you not mean me? :rotfl:

Oi you. Get off hijacking my money :rotfl::rotfl::rotfl:

Paulgonnabedebtfree

angelicmary85 wrote: »

Maybe we could all send you £2.00 instead then...just the same as a food parcel but we promise not to send a cheque!! :rotfl:

You seem very set on clearing your debts and I admire that as so many people take the 'easy' way out.

I notice you have 'easy' in quotes. I've read bits on the BR board and it looks like it is a very painful process for many. I have considered that route a couple of times - though not recently. That was before I was shown the MSE way. Even before I did an SOA, after reading various bits of the site for a while, I got the feeling that I had found a way out of my financial problems. A long, hard, rocky way but far better than anything I had previously envisaged.

learn2cope

I can see how this could get addictive, my PAD today is £23.50 between four different cc :embarasse

PigginSkint

Hi All

Sorry I'm late on parade! What a day I've had!

Anyway today's PADs are £7 to Evil Egg and £13.63 to Hellish Halifax, making a total today of £20.63

PigginSkint

jo41 wrote: »

:T:T:TOur PAD Total for September was ....
£52,615.38:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T

Fabulous! Well done everyone! :beer:

Buffythedebtslayer

Hello

43.16today

happy Weekend

(Have we always been on the diaries board?)

angelicmary85

Paulgonnabedebtfree wrote: »

I notice you have 'easy' in quotes. I've read bits on the BR board and it looks like it is a very painful process for many. I have considered that route a couple of times - though not recently. That was before I was shown the MSE way. Even before I did an SOA, after reading various bits of the site for a while, I got the feeling that I had found a way out of my financial problems. A long, hard, rocky way but far better than anything I had previously envisaged.

I'm really not trying to have a dig at anyone but this is how I see it...

money gets spent, not paid back, more money gets spent then not paid back and so on until whoever is doing the spending can't do it anymore and then pays a couple of hundred quid to get it all taken away. I understand that people lose their homes/cars/maybe even family but when push comes to shove, it's their own fault.

It's my own fault that I have a loan and cc debt. It's my fault that I can't afford to get new clothes when I need them but I'm responsible and that's why I'm on this site. I've learnt the error of my ways, as have many other people.

I'm sorry my opinion isn't the same as many other people but I was brought up to take responsibility for my own actions and to learn from them.

angelicmary85

Buffythedebtslayer wrote: »

(Have we always been on the diaries board?)

No, MSE Andrea thought it would be a good idea to move us.

PigginSkint

gilligansyle wrote: »

Can I just ask people how they keep track off what they have paid, bearing in mind that some are quite small amounts.

As I'm quite new to this I am using a notebook and just writing it down, but wondered. I suppose this is part and parcel of how organised you are.

I record mine on an Excel spreadsheet - a new sheet on the same document for every month. Each sheet contains all the different things I PAD to down the side, all the days of the month along the top, and then various formulae to add up the totals, by day, by item, by month plus cumulative totals for everything. On the same document I have a separate sheet containing all the monthly totals, and then a grand total!

But then, I do love spreadsheets!

cashless_wonder

Evening all . . . A manic Fifa 10 day at work today . . .

short staffed + big new release = pooped Cashless

Anyways it's £3.56 to various tins please !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!