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A Payment A Day - Part Six!

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Comments

  • Flower08
    Flower08 Posts: 4,771 Forumite
    Jesus leaned forward even more and whispered, "Father?"
    The old man leaned forward and whispered, "Pinocchio?"


    :rotfl::rotfl::rotfl: Love it
    Biggest Loser Weight Loss: 13 / 20 lb
  • I've been doing the sealed pot but not adding it to PAD! So far, I've got £13 and 13.64euros in my pot to add to todays total :T
    Became Mrs Scotland 16.01.16 :heart:Became homeowners 26.02.16 :heart:Baby girl arrived 27.10.16 :heart:Baby boy arrived 16.09.2018
  • sashybo
    sashybo Posts: 4,598 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Hi all, pad of £10 today - £9 from survey money to flooring fund and £1 between the ccs.

    Had a wobble last night as really want a new pair of boots and was trying to work out how I could afford them. The answer is I can't - but I was proud of myself for not just buying them anyway. I think I will save any bigger amounts of cashback/survey money and give myself a treat once I have enough.

    Also heading to the OH's parents down south for a few days so may not be around until the weekend.

    Hope everyone is well and welcome to any newbies. :T
    Success is not final, failure is not fatal: it is the courage to continue that counts. Car loan 1 £10,546, Car loan CC 0% BT £5200. Debt Free Diary to try & keep spending in check.
  • debtbegone
    debtbegone Posts: 1,007 Forumite
    edited 17 November 2009 at 3:44PM
    Well done on the boot resisting sashybo!

    The cheque I put into the bank yesterday went through as cash :confused: going to leave most of it in that account as it's the one with the overdraft and have put £6.52 into the overdraft fund.

    My thinking is that I get enough into my "savings" account to clear the overdraft all in the one go as I'm much more less likely to touch it in there since I can't remember the pin for the card on that account :D
    The debtWILLbegone - taking it 1% at a time
    Grand Total Owed:
    [STRIKE]£11,000[/STRIKE]£9962 Kicking the evil HBOS card's butt: [STRIKE]£4920[/STRIKE]£4495
    1% (£50) at a time member #121 - 11/100





  • boysma
    boysma Posts: 828 Forumite
    Hi all

    £70 to Next directory and £10 to DH cap one cc please Sarah.

    Total £80

    Catch you al later x
    Payment A Day £15 (started 17/5/14) :j
  • G'day all you lovely people :o

    I'm slowly receiving some monies owed to me, and so today my PAD is a healthy £100 to my c/c please :D

    *mmmuuuaaaeeeeeep*
    Mortgage-Free Wannabe
    Mortgage at start [20/6/12]: £151,800/MFD Jun 2035 (age 65)
    Mortgage now [5/11/14]: £139,212.14/MFD Oct 2029 (age 59)
    Personal Library 2014
    :starmod: Read in 2014: 57/60 :starmod: In Progress: 2 :starmod: Books In: 94 :starmod: Books Out: 12 :starmod: TBR: 847 :starmod:
  • Hooooray, you know when ever I post and say I don't know how much I can pad, walk to work and find money, not lots but a bit. 3p found and padded. Just a quick question and I know every little helps but does anyone get a little disheartned when only little amounts come off Debt?

    Hope we are all having a good day

    SHWA
    1vs 100 £50
    5500/335.25 (5.5K COMING DOWN)
    20.00/10,000(10K GOING UP)
    Not long now
    :)
  • Hooooray, you know when ever I post and say I don't know how much I can pad, walk to work and find money, not lots but a bit. 3p found and padded. Just a quick question and I know every little helps but does anyone get a little disheartned when only little amounts come off Debt?

    Hope we are all having a good day

    SHWA

    I do get a little disheartened, but then i just try to rack up MORE 3p/4p/25p payments to my c/c so that the loooooooong list of tiny payments on my statement makes me chuckle instead :D
    Mortgage-Free Wannabe
    Mortgage at start [20/6/12]: £151,800/MFD Jun 2035 (age 65)
    Mortgage now [5/11/14]: £139,212.14/MFD Oct 2029 (age 59)
    Personal Library 2014
    :starmod: Read in 2014: 57/60 :starmod: In Progress: 2 :starmod: Books In: 94 :starmod: Books Out: 12 :starmod: TBR: 847 :starmod:
  • Ok. So it's looking likely that I will end this month with a lower overdraft than last (fingers, toes, eyes crossed!)...but I'm wondering whether I should take the difference and count that as a PAD. I guess, realistically across the month, it IS a payment I've made off my debts just by not spending it....and thus having a smaller overdraft remaining...and less overall debt...but...I'm confusing myself here. :D
    Mortgage-Free Wannabe
    Mortgage at start [20/6/12]: £151,800/MFD Jun 2035 (age 65)
    Mortgage now [5/11/14]: £139,212.14/MFD Oct 2029 (age 59)
    Personal Library 2014
    :starmod: Read in 2014: 57/60 :starmod: In Progress: 2 :starmod: Books In: 94 :starmod: Books Out: 12 :starmod: TBR: 847 :starmod:
  • I wouldn't go as far as Angelicmary. Sometimes, occasionally, consolidation of debts is worth doing IMO. However, from what I've read in your post, it would not be the right choice for you unless (a) you can get it at a VERY low rate (much lower than existing debts) (b) you take scissors to your existing cards and close the card account(s) and (c) you lock up your husband.

    You really do need to do an SOA before much else can be achieved.

    There is one here http://www.makesenseofcards.co.uk/soacalc.html

    There is also one somewhere on this site.

    We'll have to agree to disagree Paul...I do agree with choice (c) though!! :D:D:D
    Started PADdin' 13/04/09 paid £7486.66 - CC free 02/11/10
    Aim for 2011 - pay off car loan £260.00 saved
    Nerd No. 1173! :j
    Made by God...Improved by the The Devil :D
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