A Payment A Day - Part 10!

polka_purpura

Hi,

A pad of £9-22 for me today. That's the last of the big pads from me for a few days.

polka purpura

Wesker

£75 today please :j

I'm away for a week from tomorrow so no more pads for a while :cool:

MiaowMiaow

A PAD of £6.23 for me today please - from my paypal account on to my HSBC overdraft.

sashybo

Hi all, another £1 today.

Hi to newbies. :hello:

Well done to anyone who paid off a debt. :T

Sorry to hear you had to give the cat up Twinkles.

saorsie

MooFace wrote: »

Just discovered this thread and think its a great idea.

I've had a credit card debt I've been ignoring for some time and now know its time to sort it out. The idea of doing it in small bits every day suits me so here goes.....

I've got an MBNA card with £2,742.20 outstanding and I've just made a payment of £2.20 to even out the balance!

Bring it on!

Welcome to PAD MooFace ~ heres to many happy years of PADding :beer:. Please make your amounts big, bold or colourful (or all 3 if you're feeling particularly cheery ) to make them stand out for the counterupper

kashton wrote: »

Ohhh a sneaky extra £117 PAD to clear DFS1 !!! on to currys next.....

Well done kashton ~ wtg! (so need to stop hanging round freebie bingo sites )

£1.36 from me today (please me!) heading to random short term savings

-s-

Thrifty_Pixie

Erme wrote: »

I don't know if this is any help but my herbalist recommends 1tbsp cider vinegar with 1 tsp honey in a mug of warm water...it just might be a tad cheaper than the alternatives...

E

Thanks for the tip, Erme! I have some cider vinegar at home and shall try it out

Thrifty_Pixie

flying_fresian wrote: »

I have nothing financial to add today, but wanted to say that thriftypixie, I love your posts and you always make me smile

*puts on helmet of hilarity*

I always envisage my helmet as a big viking thing with feathers and a brass horn on it. If I imagine myself wearing it there's nothing much I can take seriously. And thanks

Thrifty_Pixie

Twinkles08 wrote: »

Evening everyone,we're a bit sad today,our cat that we've had for 6 years,had to go to the cats protection league as the doctors discovered that our eldest daughter is allergic to cats.She is hospitalised 2-3 times a year with asthma.We tried to rehome her (the cat not our daughter!:rotfl:)with family and friends but nobody could take her on.I feel so guilty as she's such a timid thing,althou it's prob for the best as the kids were too noisy for her.
Anyway,if you got through that,hope your all ok-pleased you feel a bit better thriftypixie!Ha ha *stuffs a sock in her mouth to try to stiffle giggles:rotfl:
My PAD is 1.12 please. Slowly but surely......or something like that..

I'm so sorry to hear about your cat, Twinkles. I am a catless cat person myself presently and know how heartbroken I'd be. Here's a dodgy hug :grouphug: for what it's worth.

Thrifty_Pixie

Oh, and the odd amount of £23.95 for me today to round up my savings!


*meep*

polka_purpura

retiredandskint wrote: »

£45.50 for me today towards overdraft.

I need a plan on how to do this. I have cc debts of £12,340, £9,182.91 and o/d £4,410. My mortgage is paid off and the endowment, around £23,000 is due out at the beginning of June. I had planned to pay off the lowest cc and o/d (on the basis if I needed money urgently I can still access credit) and then hit the last cc with PADs.

Any comments welcome on whether I should concentrate on PADding just one debt until June and if so which one, or continue to spread the PADs around.

Hi retiredandskint,

I am commenting on the basis that the endowment is not there until it is there if you see what I mean that way the net balance will be more favourable when it does arrive.

It makes sense to pay off the one with the highest interest rate first or the one with the nearest promotional end date (assuming they have the same interest rate) with a mind to switching to another promotional rate.

This is worth trying to prioritise payments but you might need to try with and without the endowment:

http://www.makesenseofcards.com/snowcalc.html

If you are on a non promotional rate and have a good credit rating it might still be worth switching as you might still need to maintain a small clearable credit and credit rating even when you are debt free and a net saver.

There's a give yourself a money makeover article somewhere worth looking at on cutting the costs of household services.

polka purpura