A Payment A Day Part 5

penelopedee_2

I strongly suspect we will have a new four legged addition to the house by the end of the year, despite what the other two moggies think.

Can't decide whether to get another cat or a dog. We've always wanted a dog but I was working such long hours it wasn't viable. As today was the last time of my full time hours though... things may change!;)

InaPickle

dankosheemo wrote: »

Got my student loan statement through this morning and aaaall those payments through the tax man and the interest piled on top, has resulted in a whopping 20.85 GBP actually being paid off :rotfl: :rotfl: :rotfl: I don't know if I'm more angry or just laugh! Deary me...

I've been thinking about this. Someone once told me that they made a point of finding how much their interest was and paying that off as a minimum so that their loan wasn't getting any bigger. I have friends who don't earn much more than the £15,000 threshold who were paying off the 9% after that, but because they weren't even covering the interest it was accumulating, their loan was still getting bigger. As a result, when it comes to me paying it back, I'm going to figure out how much interest I'm paying per month, then use that as the base payment and start to pay a bit more on top (according to my means at the time), so I know that at least a certain amount is coming off the actual total every month.

I know that Martin says that the student loan is the cheapest loan you can get (true), but for those people who aren't quite earning enough to pay anything but a percentage of the interest off each month, it's just getting bigger and bigger. My method will at least ensure it's getting (a tiny bit) smaller.

Flower08

velocity.girl wrote: »

can i join? my PAD was £141.83 crikey! still got tons to pay out

Hello and welcome!! You'll soon be addicted. The only thing we ask is that you put your PAD in Large/bold/colour so that whoever is doing the totals - mac at the minute - can see them clearly.

Welcome to the madhouse!

Sar

Hope everyone has had a lovely Friday. Grand total of £2.41 for me today. Will be a bigger PAD tomorrow, got to sit down and sort out my money for the month first!

sashybo

Hi all, late pad for me today - just 50p to Barclaycard.

Cute puppy Green.

Sooo glad it's the weekend - but no bank holiday for me on Monday.

mooomin

Greenbynature wrote: »

Right confession time

This is the new addition to the Green household!!



We got her last night and her name is Millie!! Not very mse at all but I don't care!!!

PUPPY!!!!!

Aaaawwwwwww!!!!!

macgirl

PAD Total for 28th August is a TRENDOUS
£3759.38!

:T Second Highest Total of the month and a fantastic achievement!!! :T
Well done everyone, Night Night, mac xx

cashless_wonder

Morning all,

Off to the boyfriends this eveing after work - he's got a new cook book and he's doing me dinner - yum !

Anyways today my PAD is £10.77

Have a wonderful Saturday !!!!!

Paulgonnabedebtfree

Saturday PAD of 29p from me.

ehallett

Morning all

Just sent another £6 to the Barclaycard.

Have a good weekend everyone

Emily x