Payment A Day Chapter 16

Erme

Dizzy_Imp wrote: »

Erme - my secret to being bright-eyed at 8am is to be up before 6am (not through choice) , so 8am feels like the middle of the day :rotfl:

£10.00 PAD for me please MessyBetty. My sky rocket has crashed back down to earth. Ah well...

Laters peeps x

LOL...that's half the problem - getting up at about 2.30/3am!!!

LittleMissDetermined wrote: »

It's the bloomin' dogs... If I'd have had kids instead they'd be sleeping in by now!!!

Get ratties.....just don't give them chip paper from the chipper at 10pm otherwise they keep you awake shredding it for bedding LOL

re EF

Don't know if they still do them but I put mine in NS&I years ago and forgot about it!!!

They have a range of accounts and the good thing for me is that to withdraw it takes 2 days to clear

E

Time_to_face_the_music

Dizzy_Imp wrote: »

Crikey - some of you are up early!

I get up early for work every week day, 37 miles motorway commute and I try to be in by 7:15 to avoid the traffic. Would love a local job

sunshine81 wrote: »

Can I ask where people are saving their EF's? Mine is just in an RBS Select account I happened to have, but wondering if it's really the best place for it (tax?) and whether I should put it into my ISA.

We have 2 Co-op bank savings accounts alongside our current account. Everything gets transferred into savings account 1 on pay days, then drip fed back to pay direct debits, cash for shopping, fuel etc. When budget is done, remainder from savings 1 goes into savings 2 and has to be a real purpose before money comes out of there.

Also have a Co-op cash ISA for saving HMRC tax and insurance for self employment.

TTFTM xx

jkm1000

PAD of £3.90 please

LittleMissDetermined

Good morning

A small £1.83 to Santander for me today please

LMD x

Time_to_face_the_music

Good morning fellow PADders :hello:

My PAD today is £4 to moneybox please MB :T

Have a super day everyone

TTFTM x

Dizzy_Imp

Morning lovelies :wave:

£50 for me please MessyBetty. Hope today is good for everyone x

MessyBetty

Good morning everyone

Tuesday's total was an amazing £907.08 fan blooming tastic!!

I am holding off at the moment as my son is 21 next week and not sure how much it will cost so no PAD for me today, you are all doing great though.

Have a great Wednesday everyone

MB x

kirtsypoos

Morning all

£7.72 for me today please MessyBetty

sunshine81

Morning all,

Popping in with a PAD of £126.82 - £100 to the Barclaycard and £26.82 to a new eSaver that I've opened with the intention of saving to pay off the pesky overdraft.

Have a good one x

Bobarella

MessyBetty - many happy returns to your son. 21 is a big age! Mind you I don't know if he feels that way as everything is geared to 18 now isn't it?

Sunshine - I have my EF saved in a YBS cash ISA. It only pays 1.5% but that was never the point for me. It's just somewhere to store it. If you want to invest a stocks based ISA will return much better results over time. For your EF I'd focus on something that's accessible without withdrawal penalties etc.

Hope everyone's well.

Bob