A Payment A Day Part 5

Greenbynature

Hi all

Horrible wet,windy weather!!!! Took dogs to the beach this morning, just got on the beach and it chucked it down!!! The rain was like needles on my face!! Soaking wet in less than a minute!! Great way to start the day! Dogs enjoyed it tho!!!

Pad is £2 to cap1 and £1 to ISA

£3

gilligansyle

mswan wrote: »

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How are you all going to cope with Christmas, I was thinking of splitting my Pad's to help pay for it as I have nothing saved. Any tips would be great. I do go on the grabbit board and have grabbed a couple of bargains but my lot are older so it's cash they need now.

I have been doing offers off Grabbit for the little stocking fillers etc. This is also a double whammy as the savings get PADded. I also have the problem that my nephews are older so don't want cash, so for them I am using my survey money - I paypal it to a savings account.

so_here_we_are

Hope you are all having a good saturday. I've been into the city for a meal with my folks for moms birthday. Went round the shops but didn't buy anything but did buy a drink and lunch came out of the joint a/c.
Could have spent loads but didn't.
PAD today is £2.90 to the tin
Am now off to try and get farmville working as so far i have not been able to get on it again wish me luck....

PigginSkint

Hi All

Still need to catch up with the thread today!

Today's PAD is £1.03 to Abominable Amex

learn2cope

Hi All

Its been a mad day today, it was my daughters 6th birthday party _party_in the afternoon and we tool her to the theatre in the morning. Shattered now!

Just £1.00 PAD to jar today please xxx

PigginSkint

Paulgonnabedebtfree wrote: »

I hope you didn't pay for Excel .
Openoffice works just as well.
I do mine on the MSWorks spreadsheet that came free with the computer.

Nah! I either use my computer at work or laptop at home. Laptop at home is a reconditioned one so came already with Office on it! Have to say I prefer Excel to Works though (used to use it on previous laptop - not keen!)

PigginSkint

tattycath wrote: »

Hi all. Just quickly read last couple of pages...Do you really make payments of less than a couple of quid to creditors please? not being pedantic (sp).
Do the creditors not mind/penalise for the nominal amounts?
I am asking because I think this thread sounds great and i am just starting to make regular overpayments to the mortgage etc (trying to catch up on arrears accrued) and if I can make smaller payments i will be more likely to make more payments than i do at the moment.
any hints/tips/advice greatly received.
TIA

Hi there tattycath!

I have been doing little payments while I have been doing the PAD challenge (over a year now) using my internet banking (my LTSB current account) to all of my credit cards at some point or other - some more often then others - and not a single one has ever grumbled or penalised me for it!

Just for your info, my credit cards are American Express (x2), Halifax (x3 now - 2 of these were Intelligent Finance and Amazon), Egg, Capital One, Tesco (can't remember who owns that one), Sainsburys, Virgin and LTSB.

Hope this helps!

PigginSkint

mswan wrote: »

Hi everyone, £2 for me today

How are you all going to cope with Christmas, I was thinking of splitting my Pad's to help pay for it as I have nothing saved. Any tips would be great. I do go on the grabbit board and have grabbed a couple of bargains but my lot are older so it's cash they need now.

Thanks for all the support

Paul - you have a fantastic attitude well done and keep it up :T
Fellow padders thanks for your help so far as soon as I get the hang of it hopefully I will be able to help others as you have all helped me:D

Going to see sick dog tomorrow, I havent seen him since Tuesday but the vet says he is doing well yay

Hi there mswan

How I cope with Christmas can be summed up in 3 points:
(1) Spread the cost - I buy presents throughout the year and have already started stocking up on food etc.
(2) Don't spend too much - I only buy for certain people and have strict per person budget
(3) Do whatever I can to get freebies, vouchers etc to help towards the cost - e.g. survey sites, competitions

Hope your dog gets better soon!

PigginSkint

Paulgonnabedebtfree wrote: »

What a squeeze here at the moment. I need to pay some cash into my bank account to cover the DDs going out on Sunday night/Monday morning. Over the counter cash clears instantly. I'm not in credit at the bank. This is about staying within my overdraft limit (just). I've been trying to avoid withdrawing cash on my credit card to plug the hole till the cheques clear.
So I've been writing out my sums longhand and was amazed that I may just about be able to avoid using the cc cash.
The DDs going out on Monday total £413.26 (not all PADable).
The available balance + remaining cash I can withdraw from my business account + cash in my pocket totals £410. I have just been sitting here quite literally counting out small change to put in £1 bags. With that and a few £1 and 50p coins, I have scraped in - just LOL. I thought I was going to knock on my friend's door to borrow a fiver till Monday but won't need to do that now.
The daft thing is that I have well over a grand in the business account but it won't clear in time.
It has really brought it home to me just how much I am determined to sort out this problem. I will do it even if I have to live on pasta, rice, eggs, fruit,veg and pulses and stay indoors for weeks. There was a time I would have just popped the cc into the hole in the wall and not even thought about the eventual consequences.
Realistically, it won't be for another year yet when I will be able to feel that things are really turning round. Will need to get a couple of, as yet, uncalculated tax bills out of the way first. They will be quite large.

And I thought I had a juggling act every month! Good luck to you Paul!

cashless_wonder

Evening all,

Got a stinking cold hoping to shift it by Thursday or else they won't let me give blood for the first time !

Anyways, tonight it's a miserly 63p from a miserable Cashless to various tins please