A Payment A Day - Part 10!

nicnacnoo

£2.00 paid off today :cool:

retiredandskint

£1.32 for me towards OH's cc. Only 4 more days before our endowment matures :j:j and as soon as it hits our account OH's cc will be paid off.:T I've also decided to set up DD for my cc at £300 a month and will PAD what I can over that during the month and if I just leave £25 a week in bank account in two years I could reduce the o/d to £2000. I don't want to get rid of the cc as at our age it would be difficult to get another one but I'm going to arrange to have the limits reduced and for every £500 paid off the o/d I'll get it reduced by that amount.

Light at the end of what has been a long dark tunnel.

jet9cat

Hello everyone. I'm a longtime lurker on the site and this thread in particular but only an occasional poster. However, if you'll have me I think I need to join you guys.

The reason I've had enough is that I have just spent the last few weeks juggling my credit card balances around again - this must be at least the third time - to get as much as possible on to 0% rates for as long as possible. I had a 0% deal with Santander that was coming to an end so rang them to check what rate it would go on to and was told 18.9%:eek:. So on to this site to check on current deals and transferred that balance of approx £1400 to a Virgin card 0% until Nov '12. I had about £2500 on another card at 15.9% so that has now gone on the Santander card as they gave me another 0% deal but only until Feb '12. Finally I also have a balance of approx £2400 on a Barclaycard but at I think 6.9% for life of transfer having done that a while ago. Anyway I thought I was pretty savvy doing all this the first time, not too bad the second time but doing it agian for a third time makes me think I'm only juggling not solving the issue. It's not like I haven't been trying to clear the balances but there always seems to be something else in the way - you know the usual car problems, self employed OH not getting much work, detnal bills etc, etc. But this time enough is enough and I'm determined to make sone real headway with these in the next 12 months. OH thinks that we're doing OK as we're doing better than other people we know and I've always thought we're managing as we're not in arrears with anything, always made more than the minimum payments etc but actually it wouldn't take much to tip us into having problems - my job isn't as secure as it used to be, interest rates heading up sooner rather than later etc - so it's time to take some action now while I can. Limit to how much I can talk to OH about this as he feels I'm getting at him so I have found following this thread really friendly and inspiring as to how supportive everyone is.
I already do quite a lot of surveys and cashback daily clicking etc but any other ideas always read with interest.
Thanks for bearing with me as I rambled on a bit there. Not sure I'll be PADing every day but one thing I have noticed with this thread is the psychological value of feeling like you're making progress even if it just a little at a time so I'm starting with a small PAD of £3.10 please.:)

girlatplay

Just £1 for me today please.


Hi jet9cat :wave:

Wesker

Welcome jet9cat :wave:

A £2 coin from me today please

sophia-abigail-mummy

Hi and welcome jet9cat
be warned its additive lol

PAD today £1 went to have a look at sainsbury's clothing as they have 25% off. Got DD2 three dresses that should have been £36.00 for £27 so really happy as she really needed some summer bits now just need the weather to brighten up

Allie_Ballie_Bee

£1.00 for me again today

Great news on the endowment Retired. Sounds like you have a great plan. :T

Hello and welcome to jet9cat. I think you will find there are a few OH's on here who don't play along but we will gladly keep you company.

hummingbird

Hi everyone, I'd like to join you guys here! I've just joined the "Make 10.00 a day in June" challenge, and realised I needed to put all the money I make from that challenge in one place, but my "savings account" would need to be my credit card!

I think these two challenges go really well together, I'll need to get the hang of PAD now!

Thanks!

Hummingbird x:money:

sashanut

Hi all:j

Popping in to PAD £10 to ltsb o/d plz JJ - tkyou!!

Welcome to all newbies & great news abt the endownment R&S!!:T

saorsie

An early morning PAD of £6.09 for me today please jj ~ don't you just love insomnia err not

Welcome to jet and hummingbird :hello:

-s-