A Payment a Day -Part Seven!

psychopathbabble

It's funny how everyone has their own little way, but whatever works is good

Not sure how much is due to padding, but I've paid off about £1500 since my lbm on 9th November. Hoping to get below 11k in March.... going to try my hardest!

Thrifty_Pixie

Moanin' PADers!

My PAD today is £5 for Sat, £5 for yesterday and £10.77 today (into savings and pot), making a grand total of £20.77 please!

I found my engagement ring on Saturday! No one was more surprised than me that it ended up being a diamond ring, as i'm not usually a fan of diamonds...but the stone I originally wanted (amethyst) was said to be rather soft for engagement rings and liable to damage. I managed to find a slightly unusual setting too...AND at a price I was happy for my fiancee to pay (believe it or not I was avoiding the £1000+ rings! *Gasp*) Really, really happy and can't wait for it to come back from being re-sized (which should be Thursday).

CONGRATULATIONS to everyone who has paid off debts, and I hope your operation has gone well by the time you read this, Piggin

Can you believe it, it's SNOWING again here :eek: Nooooo moreeeeee pleasseeeeee!

*meep*

euronorris

I've given up trying to understand the weather thrifty.

It warmed up quite a lot last week, and during the weekend. This morning, however, I awoke to fresh sprinkling of snow and -6 temps!

I forgot my hat! COLD ears! lol. I want some ear muffs, my hat never seems to stay in place over my ears anyway.

Let me know when Spring has arrived please. lol

Thrifty_Pixie

Ha. I want some ear muffs shaped like massive pixie ears

clearing_out_my_pockets

My OH always laughs at me because I carry my hat in my bag rather than an umbrella - I'm having the last laugh today though as I have a warm, dry head!

PaD of £15.84 today...

saorsie

£1.10 for me today please Keza

-s-

gilligansyle

euronorris wrote: »

OK, I see. It will certainly be nicer to actually have something to PAD each day!

I do count the minimum payments though as it does all help to bring down the debt.

I'm really pleased with what I have managed to achieve in the last 8 months or so. This time last year my debt was still increasing, now I've managed to decrease it by nearly 4k! :D:D I would have never thought that possible before finding this site. And you guys of course. PADding fantabulous! :D:D

I count the stuff that goes in the pot, I just have to remember not to PaD it again, when I pay it into the bank.

Prior to finding this thread I was just paying agreed rates of £49 on a DMP and would have struggled to find more money, so far this year have paid over £300.

lemma1968

£100 to HMRC arrears x

Paulgonnabedebtfree

angelicmary85 wrote: »

I'm glad some of your cheques are arriving! I don't really know how tax works when you're self employed but £5k seems alot...in fact, it's more than my annual income

We're always here if you need a chat or anything

A lot of the 5k has been caused by a big jump in income from one year to the next. When that happewns, there is a large "payment on account" with the January half yearly bill. The July payment will "only" be about £2.8k so that shows what a difference it can make. Under the old system, the two paymnts were always equal.

keza

i do believe i forgot to post my PAD! lol! £50 to virgin today for me plz! xxx