A Payment A Day - The Lucky 13th Chapter!

rising_from_the_ashes

InsertWittyName wrote: »

It varies by individual. I personally don't count any 'minimum' payment, but some people do.

Personal choice!

Thanks! Not counting a min sits a bit more comfortably with me too - as it's not really an extra payment so will go with that!

mandz1

Rising, its completley up to you what you count, but even the minimum is a payment so it can be counted. Its personally up to the individual if they count it.
But welcome, I am this months counter-upper and then it will change for december.

rising_from_the_ashes

mandz1 wrote: »

Rising, its completley up to you what you count, but even the minimum is a payment so it can be counted. Its personally up to the individual if they count it.
But welcome, I am this months counter-upper and then it will change for december.

mmmmm that makes sense too Mandz!:o

Could I lurk for the rest of the month (ie not be incl in your totals) and see how it goes / try to work out what will work best (or not!) for me?

sashanut

Hi all:j

Popping in with my weekends PADs - 5 x £2 coins into VW campervan moneybox, and £150 refund to M&S cc - making a total PAD of £160 plz mandz1 - tkyou!!

Time_to_face_the_music

Morning all, Monday again .... yawn

Little rounding down PAD of £1.61 to M&S Money :T

Welcome to rising from the ashes :j

Have a super day everyone

rising_from_the_ashes

Time_to_face_the_music wrote: »

Welcome to rising from the ashes :j

Thanks:D

I know I'm technically lurking atm but just wanted to say that I can see how this could get addictive!

I've just cleared out my purse and put my new £20 in for this weeks' spend challenge - £1 coin went into the coin jar (I put away £2, £1 and 50ps) but also had 54p left ....... need another jar needed to save this up in!:rotfl:

mandz1

Sunday 11th November


£431.14

Time_to_face_the_music

rising_from_the_ashes wrote: »

Thanks:D

I know I'm technically lurking atm but just wanted to say that I can see how this could get addictive!

I've just cleared out my purse and put my new £20 in for this weeks' spend challenge - £1 coin went into the coin jar (I put away £2, £1 and 50ps) but also had 54p left ....... need another jar needed to save this up in!:rotfl:

It is addictive! I haven't missed a day since I started PADding and it has made an incredible difference. :T

I started off making small daily payments off a NatWest OD but M&S have now surpassed NatWest for interest so they get the small daily payment instead. I suppose it's like a mini snowball. Also make larger monthly PADs against all of our debts but the little ones really do add up :j

LondonAndy

£224.99 for me please combo of mortgage and credit card spends clearing :j

cazmanian_minx

*slinks in wearing dark glasses and clutching a pint of water after a rather raucous weekend with 20 friends in Edinburgh*

£4.13 to the slightly increased overdraft please!