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A Payment A Day - Chapter 14

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  • mandz1
    mandz1 Posts: 2,548 Forumite
    supersaver1000 wrote: »
    Hi paddlers. I managed to pay big chunk this month but next month will be back to normal. Can I ask - how do you 'round down'. Is it the pence or do you round down to the 0 pounds. Eg if you have £155 do you round it down to £150. I guess I can just start with the pence and see how it goes. Sorry seems a silly question now I think about it. :o

    Can I also ask if you have tips for keeping it separately. I save a bit but will then just overspend so it's gone. I guess it's all about being organised and I'm not quite there. :)

    Sorry that should read padders.





    some people round down in pence, some do pounds. it all depends on your budget and finances.
    you can keep the money in a separate savings account, in a money jar that cant be open, or just pay it straight off something. It all depends on your finances and what you are comfortable doing.
    PAD Maker
  • milky1991
    milky1991 Posts: 837 Forumite
    Part of the Furniture Combo Breaker
    supersaver1000 wrote: »

    Can I also ask if you have tips for keeping it separately. I save a bit but will then just overspend so it's gone. I guess it's all about being organised and I'm not quite there. :)

    Sorry that should read padders.

    I have a savings tin that I put loose change in when it gets to around a tenner I then pay it off my credit card :)

    My pad today is £2.52 to my savings jar

    welcome Keith1985
    As of 24th August 2016 total money owed was
    £15,708 :eek:
  • jet9cat
    jet9cat Posts: 1,657 Forumite
    pad of £9.00 for me today plse Mandz
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear :D
  • Keith1985
    Keith1985 Posts: 55 Forumite
    Part of the Furniture
    milky1991 wrote: »

    welcome Keith1985

    Thanks for the welcome, looking forward to getting stuck in to reduce my CC debt. I can see myself getting seriously addicted to this!
  • Time_to_face_the_music
    Time_to_face_the_music Posts: 5,454 Forumite
    Debt-free and Proud! Mortgage-free Glee!
    Keith1985 wrote: »
    I've just come across this challenge and think it's a brilliant idea, so would love to join in if you'll have me?!

    My PAD today is £2.12

    Happy Mothers Day everyone :beer:


    Hi and welcome Keith :hello:

    Yep it's very addictive :)
    LBM 10/1/12 ~ DFW Start 6/2/12: £82,344 ~ Now Zero
    :staradmin:starmod::staradmin Debt free 17th April 2015 :staradmin:starmod::staradmin
    Eternal thanks to the DMP & Mutual Support (no.439) and Payment a Day Threads
    Mortgage free 3rd July 2014 - Grateful thanks to the 2013/14 MFW threads
    "Debt is normal. Be weird!" Dave Ramsey
    Proud to have dealt with our debt :)
  • Igamogam
    Igamogam Posts: 6,028 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Combo Breaker
    Tried to make my daily PAD only to find online banking not functioning as it ought to............CS says its a glitch to do with the change in the hour...........really??

    Welcome to new PADders:T Its all very addicitive:D
    Be the change you want to see -with apologies to Gandhi :o
    In gardens, beauty is a by-product. The main business is sex and death. ~Sam Llewelyn
    'On the internet no one knows you are a cat' :) ;)
  • sashanut
    sashanut Posts: 3,252 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Mortgage-free Glee!
    Hi all :j


    Popping in to PAD £2100.23 payment to M&S cc plz Mandz1 - tkyou!!!


    Welcome Keith!!! :T:T:T:T
    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 :happyhear
  • Time_to_face_the_music
    Time_to_face_the_music Posts: 5,454 Forumite
    Debt-free and Proud! Mortgage-free Glee!
    Good morning fellow PADders :)

    Today's PAD is another £3.34 to MBNA please Mandz :T


    Nice finish to the month sashanut! :j
    LBM 10/1/12 ~ DFW Start 6/2/12: £82,344 ~ Now Zero
    :staradmin:starmod::staradmin Debt free 17th April 2015 :staradmin:starmod::staradmin
    Eternal thanks to the DMP & Mutual Support (no.439) and Payment a Day Threads
    Mortgage free 3rd July 2014 - Grateful thanks to the 2013/14 MFW threads
    "Debt is normal. Be weird!" Dave Ramsey
    Proud to have dealt with our debt :)
  • daydream_believer_2
    daydream_believer_2 Posts: 459 Forumite
    Welcome Keith 1985 to this friendly, totally supportive thread, and yes, totally addictive!;)

    Well done on a HUGE pad Sashanut!:beer:


    And mine for today is 75p please :p
    A Payment A Day keeps the debts at bay
     PADS 2016 = £222.57

    Frugal living challenge 2016 1129.71/3660
    = 14.86 per day/10.00 per day
  • araminta
    araminta Posts: 218 Forumite
    Part of the Furniture Combo Breaker Debt-free and Proud!
    PAD of £77.92 for me today
    DMP Nov 09 £25,851.93 DMP June14 £0 100% paid:D
    [STRIKE]Target DFD 31st Dec 2014[/STRIKE] DFD 7th June 2014:j
    VSP no 118 £153.25 Weekly Savings Challenge #12 £276/£1378 PAYD by Xmas 2014 #095 8,500/8,500 = 100% paid #22 £365 in 365 days 168/365
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