There is light at the end of the tunnel

Itsadogslife_2

Sorry I nodded off....... :rotfl:

girlatplay

:rotfl::rotfl: I don't blame you Itsa!!

Well it was nearly all over with Mr G this weekend. A "family argument" and all hell broke loose. We have managed to patch it up so will just work to strenghten it again. We have had rough times before so we should see our way through this.

£5 to PAD today and some change for sealed pot.

Earned a £5 Amazon voucher from Swagbucks :j my first one :T

It is a beautiful day here and I am so warm in the house

Going to Gap-Sis's for tea. Gap-Parents are away on hols to Tenerife for a fortnight so have left us money for tea (thank you wonderful Gap-Parents xx)

Gap xx

girlatplay

£1.30 to PAD today. Some change for sealed pot

I have changed my monthly PAD target. Originally it was £51.39 per month to make up the monthly loan payment to £200. I thought I might struggle with that but I have surpassed it each month since I started (August being month 4) so I feel I should up the target to give myself more of a challenge. New target is £81.39 which, with the loan payment, comes to £230 per month. I'll see how that goes for a bit Well on track for this month. I PAD payday to payday so just a few ££s to get me over the £80 by Friday. I have some £2 coins ready to PAD on Thursday so secretly I know already that I have beaten the target this month even although I only upped it today!

Just going to watch the soaps with LM now

Gap x

girlatplay

£1.35 to PAD today.

3 days to payday :j

Car insurance is due September Already budgetted for it so everything is in order there (I pay for the whole year upfront)

Sun is shining at the moment, long may it last.

Gap x

girlatplay

£1.30 to PAD today.

2 days to payday.

LM and I are having a mum and daughter night tonight. We have pizza ready to cook and are going to buy some ice cream this afternoon to eat with a DVD. I'm really looking forward to it as I am able to give LM loads of attention and she loves it

Got a Mr S delivery coming this evening, the bulk buy for next month.

Ticking along...

Gap x

mummytogirls

Hi Gap, sorry ive not managed to post.

Oh no to you and Mr G having a bust up, glad youre back on track now though.

Enjoy your mum and daughter evening, sounds lovely xx

girlatplay

Nice to "see" you mummy

We had our pizza last night - yum!! We also had half a bottle of pepsi and a whole tub of candyfloss between us so by the time it came to ice cream time we were too full!

£21.20 to PAD today, rounding down the accounts for payday tomorrow £1 odds went in sealed pot yesterday.

Have a good day everyone.

Gap x

loumac

Wow GAP! Your PAD payments are doing really well. I think this is something I should definitely look into doing....seems to make all the difference!

girlatplay

Thank you loumac. I am absolutely loving PAD. It is making a huge difference to me. It is so addictive as well. I said earlier on the PAD thread that I wish I had discovered it years ago. I love having the amounts in my signature as well, as I update them every time I PAD so I can see them going up. I update my loan amount every time I have made my normal montly payment (6th of the month) so I can see that coming down too

I don't normally PAD huge amounts just a £1 or so every day and if I get extra money (tax credit payment that I had been underpaid) then I add that in too. Mr G is giving me money every Friday since he has moved in so I have been using a little of that too this month. Also I have been saving £2 coins separately so I have added them into today's PAD. I round my payments up on payday to even the montly payment out.

I would recommend PAD to everyone and they are a friendly bunch over there!

mooomin

loumac wrote: »

Wow GAP! Your PAD payments are doing really well. I think this is something I should definitely look into doing....seems to make all the difference!

I strongly recommend PAD as a way of making payments without thinking about it. I have found it helps stop me frittering money too.

I must be over £10,000 in PADs now since November 2009 as I cleared £9,200 of debt to become debt-free and have been saving to savings acccounts and now to repay my car.

If you had asked me before then if I had a spare £5,000 per year I would have laughed in your face