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A Payment A Day - The 2012 Challenge!

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  • It was a £100 giftcard for Topshop from a competition I entered ages ago!! SOOOOOOO excited! *does little dance*

    Woo-hoo!!! What a nice surprise and a guilt free shopping trip. Well done vinternet, happy spending :T
    I myself am made entirely of flaws, stitched together with good intentions...
  • Hi everyone, So stressed out at the moment OH just came in from work saying he has been made redundant as of 5.30 today with a two month salary payout. Now all I can say is bye bye to debt free end feb :(.
    We are really worried about what will happen now. He will get out tomorrow to look for one but I don't know what happens about tax credits as I still need the childcare element while he's looking also housing benefit do I tell them now as he has two month pay. dunno (at moment they one pay a little as we both work but if he cant get something hopefully this will cover the whole rent?
    Anyway no pads for me for a while as every penny needs to stay in the bills account to cover them.
    Two months minimum bills 57%

    Debt total April 2010 £7962.28 DEBT FREE March 2012 100% cleared :T:T:T
  • pippo
    pippo Posts: 3,891 Forumite
    Part of the Furniture Combo Breaker
    Hi everyone, So stressed out at the moment OH just came in from work saying he has been made redundant as of 5.30 today with a two month salary payout. Now all I can say is bye bye to debt free end feb :(.
    We are really worried about what will happen now. He will get out tomorrow to look for one but I don't know what happens about tax credits as I still need the childcare element while he's looking also housing benefit do I tell them now as he has two month pay. dunno (at moment they one pay a little as we both work but if he cant get something hopefully this will cover the whole rent?
    Anyway no pads for me for a while as every penny needs to stay in the bills account to cover them.

    So sorry to hear that :grouphug::grouphug:
    I'm sure others will advise, but failing that a trip to CAB should answer your questions.

    Looking at your signature, you have done so well, so give yourself a pat on the back as this awful situation would be so much worse if you still had all that debt.
    Take care
    Pip
    x
  • pippo
    pippo Posts: 3,891 Forumite
    Part of the Furniture Combo Breaker
    Not been padding, but have kept my money and manged to pay both house & car insurance straight out, without adding to cc:j which is great for me in January.
    DH has some work just now which has meant that he did, and paid for, the shopping this weekend:j
    Which has meant that I can sneak in to add a bit more to January's total.
    PAD = £139.86
    Pip
    x
  • Thanks to everyone for all your good wishes. DS has had a bit of a setback today, he's not to good, but he's in the best place and they are taking excellent care of him. Hoping to have him back home in a few days.

    Just £1.00 PAD for me today please.
    DFW Nerd 1394.
    Total Debt Paid £38109.29/ £40259.24.
  • Hopeful1
    Hopeful1 Posts: 2,076 Forumite
    Frodo, best wishes to you and your son. Hope he makes a good recovery.

    Well done to jet9cat and sashanut on your good news :T

    By contrast, sorry S-A-M to hear about your OH. I really hope he can find some work soon. Big hugs for you and will keep my fingers crossed too x
    One step at a time ;)
  • saorsie
    saorsie Posts: 1,905 Forumite
    Sorry to hear your news S-A-M ~ hopefully something will turn up quickly for you both, however in the meantime, positive thoughts and blessings that you have managed to pay down so much debt before it happened :(

    -s-
    Frugal living challenge 2012 live on £8500 ~ £7725.87 remaining
    Make £5/day in 2012 ~ £482.24/£1830 ~ 22.52%
    Proud Member of PAD since January 2010 ~ Total paid to date £11386.64
    Savings Pot for 2012 ~ £772.60/£3000 ~ 23.38%
    Lose 19lbs / Save £2k by 30/04/12 *5/19lbs* £158.72/£2000
  • Sorry to hear the bad news from some people, hope it all works out for you.

    £10 from me today on your last day vin, thanks for being counter-upper this month!
    I was a DFW, now I'm a MFW :T
  • My final PAD for January is £87.21 please
    NSD Challenge January 2/15

    PAD Member since 18/7/11 - Total paid to date £8885.19
  • Siouxsie32
    Siouxsie32 Posts: 1,987 Forumite
    Part of the Furniture 1,000 Posts Cashback Cashier
    What a horrible end of month some of you are having :grouphug: How awful.

    My final January PAD is a non-spectacular-but-it-all-adds-up £1.50 :)

    Thanks everyone for another inspiring month...see you all in February (eh, that's in a rather undramatic two hours!)
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