A Payment a Day -Part Seven!

Paulgonnabedebtfree

angelicmary85 wrote: »

Good Afternoon Padders!!

I've just finished the most amazing breakfast (yes, I know it's lunchtime!) of sausage, bacon and sweet chilli sauce all crammed onto a freshly baked roll It was very nice!

Paul - Apparently, after of mouthful of extra stong mints or hot coffee, 'brushing teeth' is better...not that I'd know though as I don't have a 'toothbrush' so will need someone to test the theory If you can be bothered explaining, why didn't your huge pad pay off any of your debt?

My pad is another £12.00 today please Keza!

Hope you're all having a fab day! x

Probably best to stick to one's own toothbrush LOL.
The PAD ws from borrowed money. Basically I borrowed money to pay my tax bill. Maybe not one of my better choices but if I had asked the taxman about setting up a payment plan, it becomes very rigid and it gets difficult if you need to deviate from that. So I borrowed it elsewhere as I intend to drastically increase my workload in the coming months and wish to repay it ASAP. However, I wanted to leave a bit of flexibility there if I can't repay as much as I wish to in a given month.
There are two sides to this I think . Basically I am pushing myself into working harder. Whichever way I sliced it, I was in a situation where my known debt increased. I know what I intend to be earning by late Summer and with some application and a bit of cunning, there's no reason I shouldn't be earning it. If it getsa a bit much, I can always ease of in a year or two as my indebtedness eases.
Although I have been keeping good spreadsheet records, I haven't updated my sig in ages.
Sometimes I just feel like throwing in the towel, going BR, and just letting them do what they will. Losing my flat would be very inconvenient but I would find a way around things. However, probably the worst of the Winter is now behind us (hopefully), I'm in the process of designing postcards for my business, and I will get them out there. I shopped around and instead of paying £300ish+ for 5,000 A5ish postcards, I've found a place that will do it for about £170ish. That's silk finish, A5, 300gsm card, with 4/4 printing (4 colour both sides).
I'm torn between two extremes it seems. I don't want the middle ground (DMP) because the creditors just hassle you day and night and my head couldn't take that. Apart from that, many of them just lump on their extortionate charges and interest and you never get anywhere.
50 - 100 decent quality customers will make the difference as it would give me the confidence to increase some of the low prices to where they should be or even to totally drop some of the customers who mess me about.

never-in-doubt

Silaqui wrote: »

Niddy you will have to stop talking so much, it's taking me far too long to catch up with this thread in the morning! And you do know that the point of this thread is to make payments don't you... hence payment a day... :A

Ok sorry! Won't bug you anymore..... :wave:

never-in-doubt

angelicmary85 wrote: »

Although he's not doing any harm, I blame Euro...she enticed him here!! :rotfl:

I thought Euro was a he...? Or did the fact he said his other half was a he confuse people :p Or maybe i'm confused now....

Silaqui

Lol Nids you know I'm messing, look smily angel :A:A! (Sorry if people thought I was getting all hoity toity I didn't mean it to come across like that, obviously didn't make efficient smiley use!)

Oops I thought Euro was a she too... is that right??

I've been good today and got all my work done, so glad it's out the way! Still got some more school stuff to do but that can wait for now.

Paul, that sounds a good quote for your postcards, when I used to work in a printers we used to charge £250odd for that and we were pretty cheap!

xx

saorsie

A PAD of £26 today Keza please - £25 to lovely Debenhams and £1 to change pot

-s-

angelicmary85

never-in-doubt wrote: »

I thought Euro was a he...? Or did the fact he said his other half was a he confuse people :p Or maybe i'm confused now....

Nope...she's a burd!!

Silaqui wrote: »

Oops I thought Euro was a she too... is that right??

Yeah she's definitely a she!! (unless she's a very womanly looking man in a pretty dress?!)

knithappens

8.05 for me today

tomtombeanie

evenin' all!

i am also sure that euro is a girl!

pad for yesterday of 20p and today of 21p (found on walkies) so 41p total please, keza

enjoyed the banter from last night, stick around niddy, you're hilarious! :rotfl:

mooomin

Euro is one of my many PAD Facebook friends, and she's a girl

psychopathbabble

£1.10 roadkill to the pot today!

Sashybo hope you are ok? xx