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A Payment A Day - Part 11!
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Hi all,
I'm new to MSE and would like to join you in making a payment a day, afterall it does all add up!
Could you put me down for a PAD of £4.78 into the savings account this time ready for the MOT!LBM - 08/08/11, total debt at LBM = £13,472.93 :eek:MOT/Service fund - £230.22; halifax cc £314.60/£284.60 (9.5%); Natwest cc £2,106.53/£2076.53 (1.42%); halifax loan £11,051.80Weekly Spend Challenge £9.07/£50; Nifty Thrify Aug 0lbs/4lbs £89.16/£350 (25.47%); PAD from 08/08/11 - £89.16; 1 debt vs 100 days £59.16/£600 (9.86%)0 -
£2.06 for me today please WinniePAD-ing Since 7/1/11 2012 - £2329.10 2011 - £4760.88 :money:
NSD's April 10/10 Mar 11/12 Feb 11/12 Jan 8/80 -
....sneaks back in....been ages since I padded, sorry
£8 for me please, and aiming for £2 per day at least 5 days a week..
MoamAlthough no one can go back and make a brand new start, anyone can start from now and make a brand new ending.... life is a WIP.
Snowball says too far away, working hard to bring it forward.0 -
Evening everyone,
PAD for me today is £12.50 to Gas/Electric arrears.
A week until payday, will update sig then as well, hope we have managed to pay at least a couple of hundred off the debts! First time in ages that I will have properly counted how much we are paying off the debts each month - really want to try and start stepping up a gear with debt repayments. Not going to be easy with baby on the way but having a good try!Biggest Loser Weight Loss: 13 / 20 lb0 -
£10 from me today please Winnie ~ 82.12% of technical shortfall now repaid
-s-Frugal living challenge 2012 live on £8500 ~ £7725.87 remainingMake £5/day in 2012 ~ £482.24/£1830 ~ 22.52%Proud Member of PAD since January 2010 ~ Total paid to date £11386.64Savings Pot for 2012 ~ £772.60/£3000 ~ 23.38%Lose 19lbs / Save £2k by 30/04/12 *5/19lbs* £158.72/£20000 -
A PAD of £1.70 today for me please.NSD Challenge January 2/15
PAD Member since 18/7/11 - Total paid to date £8885.190 -
£3.00 for me today please"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee0
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Hi all:j
Popping in to (takes deep breath) PAD - £8827.95 to ltsb cc plz Winnie - tkyou!! There will be a bit of interest to pay but then that card is cleared!! I did use my mortgage flex a/c chequebook though - so really just shifted the debt, but at lloyds 27.90% interest I couldn't stand it anymore :eek::eek::eek:
Getting a settlement figure from the citiloan tomorrow - should be abt £1000 & then it's finished - 5 years/60 months :T And another £300 p/m free to throw at the debt...
It's a big thanks to all on this thread though - without it I wouldn't feel that nagging feeling that I have to PAD everyday:rotfl:New start JAN15 - NOT BUYING IT 2015 :eek:. Long haul DFW #145 : 2011 DEBTBUSTING : £5500 OD GONE, £2000 OD - GONE £93,610.30 cc & loan debt - GONE 27.6.14 FINALLY DEBT & MORTGAGE FREE :happyhear0 -
Hi everyone, been awol a few days while OH away and had laptop and his PC waaaay too slow. So Ive just caught up on the last few days' posts, and boy there have been some good ones.
Dorastar - hope you've got the idea from reading the thread. Personally as I internet bank and am trying to pay off the ccs, I find it quite easy to chuck the money at them every time I make a payment rather than save it in a pot but I know that works for a lot of folks too. How much difference it makes doing it that way rather than saving it up into one big monthly sum I'm not sure financially but it certainly makes a difference psychologically as you feel like you're actually doing something about it. Also when, as today I have received a payment from one of my cashback or survey sites, if I PAD it straight to the debt it doesn't then just disappear into the household budget or even worse a little treat for me- the bigger treat will be being clear of the cc.
Anyway, enough rambling - I have PADded a grand total of £6.34 today. Thanks for the counting Winnie.:)Every penny's a prisoner
PADding is addictive
MFW August 2023 - unless I get my butt into gear0 -
£510 for me today please - £10 to mortgage and £500 to OU fees0
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