Payment A Day Chapter 15

jet9cat · 2 September 2014 at 6:23AM

PAD of £107 today please Mandz to OH's cc.

Erme · 2 September 2014 at 9:11AM

jet9cat wrote: »

Hi bilko and welcome. There's no hard and fast rules to PADding - some of us don't even manage payments every day - but the thread helps keeps us focussed on making payments to our debts and/or emergency funds to prevent future debts. By aiming to do this little and often it keeps chipping away at the debts and often smaller amounts such as rounding down accounts or what's left in the purse at the end of the week is more do-able than big chunks. However, sometimes bigger payments are made from selling things, cashback payments etc but I think at least some PADders include regular or minimum payments as well because after all it is all going off the debt. I find that it helps me keep focussed with any spare or surprise money rather than frittering it away as I may have done in the past.

Anyway hope that helps and feel free to join in.

Meanwhile yesterday's total was a step in the right direction

£50.88

When I was in debt I used to pad infrequently but padding really helped....

The good thing about padding is no one judges you. Just lots of encouragement and if you are wondering where to start this might help

http://www.whatsthecost.com/snowball.aspx

Don't worry it doesn't record anything though you may want to save it on your computer when you have done it....

I'm still padding now even though am debt free. Tis a way of life

I pad savings and charity (tithe)

So this am's pad (yet to get my head round tithe) is

£280

E