A Payment A Day - Part 9

LondonAndy

Monday's total was £1,085.19 That's much more like it.

Well done to Mary Queen of PADs for the £200+ total booster!

angelicmary85

MinniMe wrote: »

Now - need a bit of advice from you lovely people. I'm in the red - 5 dyas after payday the reason is moving, I have had to pay out the deposit and all the fees for the new place without having gotthe old deposit back. So I know there will be £1K coming within the next 6weeks. Now my question is... I get charged to be in my overdraft at 50p a day, i don't have the money to get out of it to stop the charges,. so should I keep making PAd knowing that the money os coming or stop until the money comes in.

Part of me thinks I should keep paying as it wont actually change how much I get charged for using OD but I hate to see the acc going further into the red

And ideas?

Noooo!!! Stop padding!!

angelicmary85

LondonAndy wrote: »

Well done to Mary Queen of PADs for the £200+ total booster!

Thank you Andy!

euronorris

MinniMe wrote: »

morning all.

first PAD £5 to mint CC (this wont be gone by the end of the month as I had hoped!)

Now - need a bit of advice from you lovely people. I'm in the red - 5 dyas after payday the reason is moving, I have had to pay out the deposit and all the fees for the new place without having gotthe old deposit back. So I know there will be £1K coming within the next 6weeks. Now my question is... I get charged to be in my overdraft at 50p a day, i don't have the money to get out of it to stop the charges,. so should I keep making PAd knowing that the money os coming or stop until the money comes in.

Part of me thinks I should keep paying as it wont actually change how much I get charged for using OD but I hate to see the acc going further into the red

And ideas?

I'd be inclined to stop PADding until you have some more money in the bank. Otherwise, you will use your buffer and maybe there's a delay with the money, or something else crops up, you'd be stuffed.

Hold onto your safety buffer for now!

Greenbynature

Morning all

Welcome back Flower and Keza :hello:

Minnime - I agree with the others - stop padding!

Pad today is £5.21 jar and £1 ISA

£6.21

MinniMe_2

Thanks for your replys all. I know deep down that you are right. I will just have to stop - kinda breaks my heart to do it though - and I know that sounds strange!

Can I still pop on for the chat

Oh and sorry Andy

LondonAndy

£10 for the ISA today

LondonAndy

MinniMe wrote: »

Oh and sorry Andy

No need to apologise !! You have to do what's right for you finance wise. I agree with the others - keep your buffer zone just in case. If you have to stop the PADs for a while then you'll soon catch up again when your funds from the flat come back, don't worry! You have to stick around whilst you wait to PAD again though and chat...:D

psychopathbabble

MinniMe wrote: »

Thanks for your replys all. I know deep down that you are right. I will just have to stop - kinda breaks my heart to do it though - and I know that sounds strange!

Can I still pop on for the chat

Oh and sorry Andy

Don't be sorry MinniMe! I am unable to pad most days of the month and I really wish I could do more but it's physically impossible! x

Flower08

angelicmary85 wrote: »

I hope you're feeling alot better than you were the last time you stopped posting?

Hi, yes feeling so much better thanks. Last time I stopped posting was because I decided that I didnt need the anti-depressants anymore and just stopped taking them - really big mistake. I was an awful person to be around and such a mess. Resulted in OH practically draggging me to the doctors, have since managed to get it into my head that taking them is not me failing, I just need that little bit of help.
So have been taking them regularly for a few weeks now and feeling so much better and positive about everything

Anyway PAD for me today is £2.36 please.