A Payment A Day - Part 10!

ILoveEoin

Well i have been a bit AWOL but am totally skint, we ate r overdraft, credit card and have not a penny until pay day 1st April, so week and countin! so afraid no pad but i will next week! readin all posts and everyone is doing sooooo well, WELL DONE EVERYONE and congurts on 2 baby pad's 2 join us soon xx

ILoveEoin

o just work out my thing @ the bottom, wat a snow ball???

Allie_Ballie_Bee

too_much_debt wrote: »

For those of you paying credit cards, do you guys actually send a payment a day to your credit card or do you put it aside to send once a month or whatever. I have been trying to pay my credit more often during the month but never at the rate of once a day. How low was the lowest payment sent?

By the way, how can you keep your snowball calculator. I keep losing the information and having to put it in again each time, very frustrating.

Don't know about the snowball calculator but, as far as small PADs go I tend to save them up and then make a payment from my bank account to the value of the saved amounts. I then return the saved amount to my purse. Saves visiting the cash machine too. The lowest payment I have made is around £3.50.
Good luck and happy PADing!

Thisisforthekids

£5 please to the Barclaycard!!!

MiaowMiaow

£1.46 for me today please!!xx

never_too_old

too_much_debt wrote: »

For those of you paying credit cards, do you guys actually send a payment a day to your credit card or do you put it aside to send once a month or whatever. I have been trying to pay my credit more often during the month but never at the rate of once a day. How low was the lowest payment sent?

By the way, how can you keep your snowball calculator. I keep losing the information and having to put it in again each time, very frustrating.

i have the account details of all the people i pay on my online banking,
I have done online transfers for a £1 ,havent heard any complaints and this is my third month of padding, i find it easier this way and means it goes, i log all payments made on my spreadsheet:D

Little_bit_dizzy

too_much_debt wrote: »

For those of you paying credit cards, do you guys actually send a payment a day to your credit card or do you put it aside to send once a month or whatever. I have been trying to pay my credit more often during the month but never at the rate of once a day. How low was the lowest payment sent?

Hey too much debt - I used to quite merrily send a £1.00 payment each day to Cap1, never had any problems with it. Always used to enjoy sending the paymet via their website using my debit card as I knew they would be charged (by their bank) for each transaction.

I liked to think of it as payback for all those charges they issued me wth in the days I was really skint and struggled to make min payment / keep under the credit limit etc... Figured they'd never really notice with their scandalous, massive profits, but made me feel a little bit better about the whole thing

too_much_debt_2

Thanks for the replies. I really want to get into PADing. Does it help the interest go down per day or is the interest only done once a month?

Souk08

Can I please pad £1.45 today ta X

retiredandskint

Just popping in again with another £7.40. £5 towards my Christmas savings and £2.40 towards OH's cc (rest of the week's paper money saved 3 x 80p). :money: