A Payment A Day - Part 10!

Eager_Elephant

I nearly failed on the second day, I have misplaced my debit card.

Thinking back I know I had it yesterday to PAD, I must have left it on the table and then I asked DS to clear the table for tea - Hmm where would he have put it?

Anyway I have raided the childcare account so a PAD of £1.02

EE

Erme

Can I join this? Even if it's just £1 a day on something (know I can manage that . Last big giro put £75 on Loan)

Nuala suggested it...going to try and stuff and anything to help your total...

E

mooomin

Hi and welcome Erme

No rules to how often you post, just that when you do you post in bold, colour, large font or all three so that the counter-upper (me this month) can see the amount easily when we're [strike]adding up while eating toast & being late for work[/strike] carefully totalising

angelicmary85

Evening Padders!!

Another £10.00 to the savings account please Flyin'!

Hope you've all had a fab day! x

Kayleighpea

Hi All,

I've not done this challenge before because I always told myself I would never manage it, but this year I am determined to get this debt down as much as poss so I am testing myself!

It can be any payment no matter how small is that right? In which case I am going to use this challenge towards paying off my Abbey overdraft and going to transfer 50p each for yesterday and today. Big spender I know!

So £1 PAD for me please!

mooomin

Kayleighpea wrote: »

It can be any payment no matter how small is that right?

No payments are frowned upon here - your 50p per day will pay off £180ish in a year, so it all adds up

twiglet98

Saw a link to this on the Frugal Living Challenge thread and I'm definitely interested. Two of my three CCs are suspended as I refused to accept the large rate increase they proposed early in 2009, and I have paid only the minimum each month by DD since then. The third card, Barclaycard, is active though used only for large unforeseen bills - replacing a split oil tank, appliance failures, vet bills, car repairs... I haven't had to use it for 13 months, thank goodness. The balance is about 8k :eek: and I pay about £20 more than the minimum most months. It has the highest interest rate, 21.9%. This has to be prioritised.

I bank online, but have no bank branch nearby (I live in the sticks several miles from town). Salary goes into the bank, and my grown-up family transfer their keep to my account online. I do extra work for cash, and sell some eggs and veg, then use this cash when there's enough in the pot to cover either our food shopping, animal feed, or half a tank of diesel.

I save all coins except 10p pieces - don't know why I've never saved them! - bag them up and take them to the building society twice a year. That goes a little way towards the cost of MoT and servicing the car.

The more oddments of cash I can use, the more is left in the bank, so I'll take more out of the bank for CC payments on top of the usual amounts. I don't think they will be paid off in my lifetime but I'll try to start the year a little less negatively than usual!

First PAD will be later in the week.

angelicmary85

Great introduction there Twiglet, you can blether like the rest of us...you'll fit in well :rotfl:

Welcome to PAD :T

sashybo

Hi all, I'm back, having slapped my own wrist for not padding regularly for the last few months. I've been using my paypal survey money for sewing and knitting kit instead of paying it off my cc. :whistle:

My pad today is £4 as had a bit extra in my personal account. Have withdrawn £3 from GreenMetropolis for the last book I sold so will pay that off the Barclaycard once it arrives. Will need to get back into padding at least £1 every day though.

Hi Kayleighpea! :hello: Glad you decided to join, it's very nice here.

Hello to the other newbies as well. :T

Tabbitha

£20 for me today please (£8 of Loan, £7 Next & £5 of Mortgage)

Thx FF