A Payment A Day - Part Six!

knithappens

£1.02 today

angelicmary85

Paulgonnabedebtfree wrote: »

And things have been a lot worse a long time ago. I've slept in squats, shop doorways, a derelict caravan, a wendy house in an adventure playground, a hospital waiting room. I even sneaked into a railway area and kipped in the carriage for the night. I wouldn't fancy doing all that again.

What doesn't kill us, can only make us stronger!

You managed to get away from sleeping 'rough'...there's so many others out there who haven't so I think we should all be thankful for what we have, even if it isn't very much.

angelicmary85

Morning All!

Never made it back to pad yesterday so could you please put me down for £10.00 Sarah!

Hope you all have a fab day! x

so_here_we_are

Morning All

Will catch up later.

PAD today £2.97

SHWA

Greenbynature

One morning while making breakfast,

a man walked up to his wife,
pinched her on the butt and said.
'If you firmed this up, we could get rid of
your control top pantyhose.'
While this was on the edge of intolerable
[FONT=Bookman Old Style]she kept [/FONT]silent.
The next morning,
the man woke his wife with
a pinch on each of her breasts
and said.
'You know, if you firmed these up,
we could get rid of your bra.'
This was
beyond
a silent response.
So she rolled over.
[FONT=Book Antiqua]and[/FONT]
grabbed him
by his
'DANGLER'

With a death grip in place,
she said.
'You know,
if you
firmed this up,
we could
get rid of
the gardener
the postman
the pool man
and
your brother!'
:rotfl::rotfl::rotfl:

Paulgonnabedebtfree

angelicmary85 wrote: »

What doesn't kill us, can only make us stronger!

You managed to get away from sleeping 'rough'...there's so many others out there who haven't so I think we should all be thankful for what we have, even if it isn't very much.

At the moment if feels like I'm sleeping in a garage.
Seriously, I am grateful for what I have. Although it was a long time ago, I've lived life at the sharp end. The funny thing is that, at the time, it didn't actually feel like the sharp end because it was my normality.

Greenbynature

Morning all

Wet,cold and miserable here today!
Paul I think you've done really well to get as far as you have, you should be proud of yourself :T
Euro your not alone my biggest problem is my food bill! Mainly due to 3 bottomless pits - the kids lol They're all slim as well, which I find so unfair cos if I ate as much as them I'd be the size of a house lol
When I'm organised I do stick to a shopping list and I just tell the kids when it's gone, it's gone til the next time I go shopping. Some weeks I manage to stick within my budget but other weeks its a nightmare. I keep looking at the weekly meal plan thing on the os board but haven't tried it yet.

Tomtom thanks for that I looked at it but I live too far away in Middlesbrough but thanks anyway.

Pad today is 21p jar, 40p tin and £10 cap1 cc

£15.61

gilligansyle

morning all

PAD and run today, £5 Bingo winnings gone straight on CC.

mumofthreemonkies83

Hi guys,

Long time no see

Ive been reading and padding but what with christmas and a million other things my debt has risen and im still not done:rolleyes:

Anyway Pad today has been £20 to a cc £100 to a cc, £50 to the MOL, £35 to electric debt £20 to Gas debt, £10 to another credit card.

Total today is therefore £235 please Sarah.

Glad to be back and hopefully posting daily.
Hello and hugs to all who need them and see you tomorrow

Mumof4 x

nickynoo08

jo41 wrote: »

Not that knowledgeable on stuff like this and I'm sure someone will come along soon but a couple of things strike me. Why does the interest flucuate; is that where you make more/less on the overpayment? Is there any way you can increase your minimum payments as that interest seems very high and most of your minimum payment is interest?
What rate is the loan at?
I'd still go to the bank and get them to go through it with you.
Jo x

I believe that the overall trend for the outstanding interest will be downwards each month but it may take a few months for this to become more noticeable due to the slight fluctuations. Also, is your loan flexible enough to allow extra payments without penalising you? With some types of loan, you can be better off allowing them to run to full term or by saving up the money you use as extra payments until such time as you can settle in full.[/QUOTE]

Thanks both of you. Firstly i cant find my agreement so not 100% sure what my interest rate is i know its here somewhere (pregnancy brain again!) i'll have another look today. I know i can make overpayments whenever i choose and will not be penalised, BUT they lower my monthly min payment too! I need to ask for them not to do this and increase my min payment. What i tend to do is put money in my pad acc till it gets to £200ish then pay extra off my loan, money is tight at the moment so i'm unable to make large overpayments or save large amounts each month. I just feel like i'm going round in circles with it. The lady i see is very nice anyway so hopefully she'll be able to help.
Right back to business.....
£1.81 to xmas funds and £2 to pad acc