📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

A Payment A Day - Part 9

1353354356358359460

Comments

  • Hi everyone, I'm going to be joining you probably as of tomorrow.

    The CC's are just not going down, in fact, they are going dramatically up. On paper I should be able to pay around £300 debt repayments per month but it just aint happening. All I am doing is paying off the minimums and still running them up.

    If I pay one big lump sum per month I lose motivation before the next payment is due so I aim to try and make small payments per day. I have totted up three cards and so far am just over £7k (gulp) plus I haven't checked the fourth one. I did a test payment on Wednesday to Halifax Clarity Card which hit my account today, I'll try and get DH to request some log in details so I can get onto his account (it's in his name only, neither of us spend on it) and I can keep a running total on how much I pay off,
    Start Date: 27/11/2010
    Padding: Day 42
    Target £8000
    Amount: £562.23
  • kdenty
    kdenty Posts: 250 Forumite
    Part of the Furniture 100 Posts Mortgage-free Glee! Combo Breaker
    Good total keeping Silaqui.

    Please can you put me down for £50 off the credit cards today - yeay.:D
  • mooomin
    mooomin Posts: 13,703 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Hi everyone, I'm going to be joining you probably as of tomorrow.
    WooYay!!!

    Don't forget about us the second you find a deal on Uggs :D
  • Ok

    so because of my complicated life I have no idea what's coming in and when any more, so have just chucked 14p into the slummy jar.
    The work story so far:-

    As some of you may know I was unemployed for a while and got a temporary job in March, on not very good money, then got another one on better money but with a fair bit of commuting. They also mucked me about a bit, didn't let me know they were extending my contract until the day before it expired, so I went and got another job, even further away. So now I have the original job, and the new one. The original job pays regularly, but only £300 a week ( a lot to some people but my mortgage is over £900 a month), the other job involves staying in B&B a few nights a week, so have had to pay money out and haven't been paid yet, so hopefully will get paid in the next week or so. Once that money comes through, I should have enough money to clear one cc by Christmas, as its under £500. That then leaves Egg, maybe done by Easter?


    Sorry for the long post but thought I'd put down why I haven't been Padding regularly.

    Hope everyones keeping warm.
    Debts at LBM - Mortgages £128497 - non mortgage £27497 Debt now £[STRIKE]114150[/STRIKE][STRIKE]109032[/STRIKE] 64300 (mortgage) Credit cards left 0



    "The days pass so fast, let's try to make each one better than the last"
  • £85.00 to the CC1 today please Silaqui... It look's like the half mill is within touching distance :D
    I myself am made entirely of flaws, stitched together with good intentions...
  • Evening All!

    Pad of £24.77 please Silaqui!

    Hope you've all had a fab day! x
    Started PADdin' 13/04/09 paid £7486.66 - CC free 02/11/10
    Aim for 2011 - pay off car loan £260.00 saved
    Nerd No. 1173! :j
    Made by God...Improved by the The Devil :D
  • Silaqui
    Silaqui Posts: 2,778 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Hope you've all had a fab day! x

    Your line is back! Yay! :p
    x
    Ths signature is out of date because I'm too lazy to update it... :o
  • Silaqui wrote: »
    Your line is back! Yay! :p
    x

    Yay!! :j

    (It's because I've got some money now - I'm happy :rotfl:)
    Started PADdin' 13/04/09 paid £7486.66 - CC free 02/11/10
    Aim for 2011 - pay off car loan £260.00 saved
    Nerd No. 1173! :j
    Made by God...Improved by the The Devil :D
  • Silaqui
    Silaqui Posts: 2,778 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Hehe well you did really well to raise that amount like that, no way I could have done it. Are you sure you didn't sell the rights to your kid...?;):p

    Is it snowing up there in Scotland? I've just popped out to the car and the car thermometer says -9 here in rural Leics, but no sign of any snow!

    x
    Ths signature is out of date because I'm too lazy to update it... :o
  • mooomin
    mooomin Posts: 13,703 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Silaqui wrote: »
    Is it snowing up there in Scotland? I've just popped out to the car and the car thermometer says -9 here in rural Leics, but no sign of any snow!

    x
    Snow in Edinburgh :D Pic from the window of my warm flat is on my FB!
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.7K Banking & Borrowing
  • 253.4K Reduce Debt & Boost Income
  • 454K Spending & Discounts
  • 244.6K Work, Benefits & Business
  • 600K Mortgages, Homes & Bills
  • 177.3K Life & Family
  • 258.3K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.