A Payment a Day -Part Seven!

angelicmary85

JoXani wrote: »

I am going to do a SOA but I'm going to wait until my husband comes home (he's working away this week) so that we can do it together. Hopefully the small steps I'm taking on here will start to make a dent in things. Every little bit helps!

PAD makes a huge difference! When I 1st started here it felt like the world had finally lifted off my shoulders...it's even better because everyone on this thread isn't judgemental because we're all in the same boat :A

We all have times where we feel like we're getting no-where or something unexpected happends and we feel like we're back at square 1 all over again but never be too embaressed/shy to post if you need a bit of sympathy or advice!

Paulgonnabedebtfree

angelicmary85 wrote: »

Evening Padders!!

Nicky I was sorry to read about your mot, cars can be such a nightmare. Can you look around for a cheaper deal or befriend a mechanic?!!

Green your dog sounds like a nighmare! :eek:

Welcome to the newbies...you'll like it here...especially after hours when we get a bit...adult! (a-dult, not ad-ult! )

Well done to those clearing things (or being close to clearing things!)

My pad is another £12.00 please Keza!

Hope you've all had a fab day! x

Yes a lot of MOTitis around at the moment. Including the test cost and a couple of non MOT jobs I needed, it ended up costing me £304 - and I still need to get some new wiper blades (I'm amazed it didn't fail on that too). That's OK though. It is my livelihood after all. By the time I get tax/NI relief and make a couple of other calculations, the actual cost to me will be around £185. That's calculating the 85% (business use) of the £304 (about £260) and then calculating the tax and NI relief on the £260 (28% I think) which gives 260 - 75 (roughly) = £185 more or less. Ok so I have to lay all the money out but I will (eventually) benefit a bit with a tax bill that will be lower by about £119 (that's the £304 minus the £185). It never feels quite so bad when I view it that way

gilligansyle

angelicmary85 wrote: »

Bit upset by our mention in the newsletter...

The total didn't state that it was just for last year and they've called it repayment a day...

Naughty Martin...he doesn't pay enough attention to the challenges, although personally mentioning people was a nice touch

In the thread they picked it up from fermi made it very clear that it was just short of half a million in 2009.

mumofthreemonkies83

Hey all, Long time no speak

As you all know ive been reading and farming so still been around, just very skint :mad:
Alas its payday today and ive paid all the bills and a few debts so im back with a vengeance

Platinum £100
Dhs cc £30
MIL £50
Cap One £93
Total therefore is a reasonable £277, unfortunately I also paid the tv licence, sky, bt, be*, breakdown, car insurance, water, gas and electric with car tax due before Sunday so im skint again :mad:

Hugs to all in need, hope you guys are ok x

Oh also, if Shaun the sheep is about, I just confirmed you on FB, figured you knew I was an MSE'er but unsure which one :rotfl:
I sent you a neighbour request too

Mumof4 xxx

SarahNeedle1872

PAD for me today is £45

Sx

Silaqui

Hi everyone!

Didn't get time to post yesterday so I'll lump it in with todays, I'll also post for tomorrow as I've got a bit of a busy day and might not be able to post. So for the 3 days its Tuesday = £1.81 Wednesday = £10 and Thursday = £1.38 totalling £13.19

Random numbers I know, there is some method as it's the amounts I know will round my account down on those days!

xx

tomtombeanie

need to have a proper look at the newsletter if we are in it, got sidetracked by the pound off voucher for amazon - naughty of me i know but now listening to some new tunes from glee

debbiedeejay

This thread is brilliant - what a really clever idea!

Please could I join in? I think I could do this - have plenty of debt to shift and this may be one idea to help me to keep me motivated - so after reading quiet a few pages I would like to declare todays pad of

£1
Is that ok?I got quiet excited when I actually pressed "make payment":rotfl:
Can't believe I have just paid "a bit extra" off my CC - small steps eh? Love it!:T

Will update siganture later on.

Yay for Pad(di)days!

never-in-doubt

angelicmary85 wrote: »

Bit upset by our mention in the newsletter...

can you post a link to the article please as I dont get newsletters :rotfl:

psychopathbabble

You're Challenged! Can you 'make-£10-a-day' or 'Save £2 a time'?
Be inspired. Join MoneySavers challenging each other to make amazing savings
Whether it's the gang who repaid £500,000 debt 50p at at time, Debtdesperado who eeked out her shampoo supply for 11 months, or Saorsie who's saved £50 in two months collecting £2 coins, big savings are possible with the right motivation. It's all part of the mutual challenges in the Debt-Free Wannabe board designed to help those in debt work together. Challenges include...The £2 savers' club: Everytime they get a £2 coin, the £2 savers' club siphon it away until their target's hit. Make £10 in a day: Promise to make an extra £10/day, be it from eBaying, survey stashing or overtime. Repayment a day: Pledge to make a repayment a day no matter how small - collectively this group's repaid nearly half a million. Crazy clothes challenge 2010: Promise to spend no more than £100 on clothes this year in the Crazy Clothes Challenge, instead polish and re-heel old shoes, scour charity shops & revive old outfits. Full list of challenges: DFW Challenges Related Board: Mortgage Free Wannabe Related Guides: Debt Help, Boost your income