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Payment A Day Chapter 15

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  • £125 to graduate loan today please :)
    Total debt March 2014: £11,194. Now £4,198.
    0% CC1: [STRIKE]£2,240[/STRIKE] £0. 0% CC2: [STRIKE]£1,934[/STRIKE] £0.
    0% CC3: £0 0% CC4: £4,198.
    12.9% Loan: [STRIKE]£3,000[/STRIKE] £0
    14.9% HP: [STRIKE]£1,103[/STRIKE] £0
  • Good morning fellow PADders :hello:
    Today's PAD is £6.50 made up of £2.50 for M&S and 2 x £2 coins to money box

    Thanks milky :T

    Yes I said I would count up for June, it may be a bit intermittent because my life is a tad chaotic at the moment so all be patient please :A

    Igamogam - why not keep going, even if it's only pennies, they all add up. Apart from payday, I think my PADs for June will all be £1 ...... and that may be optimistic :rotfl:

    Don't leave us please :)
    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 :)
  • milky1991
    milky1991 Posts: 837 Forumite
    Part of the Furniture Combo Breaker
    edited 29 May 2014 at 8:42AM
    Igamogam wrote: »
    I am seriously thinking about having a rest from the PADs for a while - recent VERY LARGE bills mean I am about £1500 adrift at the moment of where I want to be...............I have managed to recoup £500 from recent Eb*y sales which has gone into my current account to appease the OD a little - that money would/should have gone onto the CCs but I need to get the current account back into he black before I do the CC 0% BT dance again in a few weeks time......................hmmmm. Going away to think about it. I'll be back!!:)

    Igamogam stick with it, it doesn't matter how small the pad is it's still a pad or count the payments you make back to your current account as your pad's :):):)

    Anyway my pad today is £4.05

    £2.95 to the emergency fund and £1.10 to the chosen credit card

    ttftm happy June counter upper
    As of 24th August 2016 total money owed was
    £15,708 :eek:
  • milky1991
    milky1991 Posts: 837 Forumite
    Part of the Furniture Combo Breaker
    Total for the 28th May is a very respectable

    £190.97

    :T:T:T:T:T:T:T:T:T:T:T

    Running total £8696.49
    As of 24th August 2016 total money owed was
    £15,708 :eek:
  • daisystar
    daisystar Posts: 346 Forumite
    100 Posts
    Helle everyone!!:wave:

    Sorry I've begun AWOL for a while, I'm on holiday at the moment and have had intermittent wifi (but a lovely sea view to compensate :rotfl:) I should be back on track now with a PAD of £60 please milky :D
    Igamogam wrote: »
    I am seriously thinking about having a rest from the PADs for a while - recent VERY LARGE bills mean I am about £1500 adrift at the moment of where I want to be...............I have managed to recoup £500 from recent Eb*y sales which has gone into my current account to appease the OD a little - that money would/should have gone onto the CCs but I need to get the current account back into he black before I do the CC 0% BT dance again in a few weeks time......................hmmmm. Going away to think about it. I'll be back!!:)

    Ooh same here same here :o I did a LOT of pre holiday/wedding/naming ceremony spending this month so I am now paying back my overdraft instead of the cards :mad: However, like the others have said why not make this your PAD if you're in the same boat? It's a great way of making sure we actually DO make the payments, and the more people on here the better :) Please think about it! :)
    Debt Oct '13 - [STRIKE]£44,076[/STRIKE] £41,578 5.7% cleared
  • Hey Igamogam, don't leave....have you seen the size of some of my PADS??!!

    But doing one every day, however small, is really keeping me motivated, so even if you can only spare a few pence, the motivation in doing so is worth so much more...

    And my PAD today is another super-dooper 50p!!
    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
  • Igamogam
    Igamogam Posts: 6,028 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Combo Breaker
    edited 29 May 2014 at 3:37PM
    Have decided that I can continue with PADs: I will be recording the minimum payments I make each month and the daily tidy up of the current account however will not be making over payments on all the CCs this month and neither will I be paying to the CCs the equivalent in vouchers/extra money from surveys/Eb*Y etc. So hopefully there will be a PAD each day:)

    To this end:£15 to The Debt:) Made up of 5ps emptied from my 5p tin! Actually there is almost £50 in it - I was amazed - but only had time to count out £15 worth this morning..............the rule is it cant be emptied until full ( unless serious emergency!) and as I couldn't get lid on it was time to count:rotfl: The rest is now bagged up ready to pay a bill and the 75p left is now starting the ball rolling again:D

    And thanks fellow PADders for the encouragement............. and as Daydream says size doesn't matter;)Every little does count. Sometime I wish it would just count a little quicker!
    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' :) ;)
  • milky1991
    milky1991 Posts: 837 Forumite
    Part of the Furniture Combo Breaker
    Total for the 29th May is


    £86.05

    :beer::j:beer::j:beer::j:beer:




    Running total is £8782.54
    As of 24th August 2016 total money owed was
    £15,708 :eek:
  • Good morning fellow PADders :hello:

    Today's PAD is £2.00 to M&S please milky :T


    TGIF :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 :)
  • jet9cat
    jet9cat Posts: 1,657 Forumite
    Clearing the account before payday so a little sweep off to the emergency fund of £4.16 for me plse, milky
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear :D
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