A Payment A Day - Part 9

LondonAndy

Hi all

Hope everyone is OK !!

Well today I have a big PAD to make - but first a little background.

I disappeared for a few months earlier in the year as my Dad sadly passed away. Lots to sort out etc etc and I was executor and head of the family dealing with everything. Now a few months later I am fortunate (but in a sad way) that his estate has been settled and I have received some money. Just enough to get myself a deposit for a small flat when I can get a mortgage sorted - he would have been pleased with that.

I have thought [STRIKE]long and hard[/STRIKE] agonised for a week about my loan - £9k left - and whether it would be right to use some money to pay this off. I have decided the interest saved (about £1k) by paying now and the fact that most of it was run up for study and works commuting whilst a trainee means it's OK to do so and he would have been OK with that. Reading someone else's similar story on one of the threads also convinced me. So today I went to HSBC and settled in full...

PAD is therefore £8,081.05

I am not paying off the B'card and will PAD my wages to finish this one off. That was silly money I used for clothes, holidays etc. But not far to go now.

So I'll be debt free at the end of the month and ready to move into the wacky world of trying to buy my first place!! I know he'd have been pleased with that.

Rest assured I will be sticking around on this super thread and saving. I can't shirk my September counting duty can I?

Thanks guys for reading my big long ramble !! Just needed to write stuff down....

Have a wicked day all.

MinniMe_2

London Andy - I am so pleased for you - I know from your posts that you have been through a lot and am really pleased that things are finally coming together for you.

Purpleroses

sorry to hear of your loss Andy.

Sorry for not posting in ages, haven't been on the boards in a while. MAde a pad of £100.37 today

mrsinvisible

Hi afternoon everyone, I'm not going to moan, and I'm not going to rant, but my builder has just phoned to tell me that I owe him another £500, so my pad for this week is curtailed significantly, to £150 to loan . Now I am going to moan, last month I paid an extra £1000 of this loan, so it is just under £6000, and when I rang for a balance I find they have taken £350+ in interest:mad::mad::mad::mad::mad:.
The sooner I can get this paid the better.

sashanut

Hi all:j
Didn't get on here yesterday, but popping in to PAD now. Well done LondonAndy on clearing your debt, I am sure your Dad would be pleased to have helped you get on the property ladder too:T:T:T

We have been paid unexpectedly early this month:eek:, so PADs are as follows: MBNA pmt £63.55, DH lloyds tsb cc £3.59, to lloyds o/d £1306.49 - total PAD is £1373.63 please Booby - tks!!

MinniMe_2

Not on with a PAD but just wanted to say you guys are great!

Posted on another board on here to try and get some help/ answer a questions - and well lets just say they weren't ver friendly.

Not like you brilliant lot on here!

psychopathbabble

Minnime... they are a great bunch aren't they!!

LondonAndy, sorry about your loss, but well done on doing positive things with the money. It'll be a fantastic day when you are on the property ladder x

Silaqui

Hi everybody

Andy, sorry to hear about your dad - I'm sure he would be very pleased that you are being so sensible with the money!

I've finally gone through my spreadsheet and am padding a grand total of £223.33 to various things, made up of a mixture of loose change and minimum and additional payments.

I need to go and update my sig now I think then I am going to have a play with my spreadsheet and see how much else I can afford this month

xx

Boobylou

Hi guys,

Sorry I am so late with yesterdays total but I had to take hubby to A&E this morning as he had hurt his arm. So today has been rather manic for me. Anyway have just finished doing Shred so am rather tired but have got tomorrow off, yay!

Right then, yesterdays total = £890.30
I won't say anything as I have seen the size of some of todays pads :eek:

My pad today is still a tiny £1 but heck it's better than nothing

Will post more tomorrow but in the meantime have a good evening all - I am off to bed!

p.s forgot the special mentions (naughty Booby!). Special mentions for yesterday go to LondonAndy, Jwil and Tenmah :T

angelicmary85

Evening Padders!!

I finally got caught up with my declaring spends challenge...not as bad as I thought :j

Andy - I was sorry to read of your loss. Losing a parent must be difficult...although, I'm sure my 2 won't be saying that in a few years time

A big Well Done to you using your inheritence in such a great way, your dad has helped you to debt-freeness and onto the property ladder, what a great guy!