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Payment A Day Chapter 16

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Comments

  • kirtsypoos
    kirtsypoos Posts: 3,826 Forumite
    Part of the Furniture 1,000 Posts Photogenic Combo Breaker
    edited 17 February 2016 at 11:46AM
    £2.36 for me please - I really did overdo the PADs last week :rotfl:

    Oh well, every penny counts and it all helps on the DF journey!

    I too am a chai latte virgin, which I don't plan to change anytime soon - I'm a bog standard tea or white coffee girl myself, with the occasional normal latte if I'm feeling like a treat!

    Edited to add an extra £2 PAD to BC when I realised £2 would take me to 25% paid....snaffled the £2 off OH so I could hit the magic number :rotfl:
    Let’s just pretend I have not been alternately drowning in debt or only eating toast to try and pay it off for the last 20 years 😭
  • kirtsypoos
    kirtsypoos Posts: 3,826 Forumite
    Part of the Furniture 1,000 Posts Photogenic Combo Breaker
    PS - way to go on the Tesco CC misfire, although as I've just been accepted for a BT card with Tesco, I am now concerned about the website - I'm so used to MBNA and BC will it drive me mad?!
    Let’s just pretend I have not been alternately drowning in debt or only eating toast to try and pay it off for the last 20 years 😭
  • Erme
    Erme Posts: 3,597 Forumite
    Part of the Furniture Combo Breaker I've been Money Tipped! Debt-free and Proud!
    edited 17 February 2016 at 12:59PM
    Coffee wise it's either 'cat pee' or espresso

    I have an espresso machine I love it that much :D - works out for the price of a month's (maybe less for your fancy coffees out) espressos or there abouts - I can buy an espresso machine :j

    Bit messy but so worth it!!! (my espresso machine was £40 - refurbished - fleabay)


    Tea wise - it's either tea grinds or scottish breakfast


    Coffee out! Should that even be allowed on a debt free wannabe challenge? Of course - the odd treat is not going to double or triple the debt :A - Starbucks filtered - a flat white or even americano is a rip off!!!! and occasionally (twice a year max!) a caramel latte with syrup and cream on top (can you hear them calling my name, oh the sugar police LOL)

    regardless - it's a principle of choice - hence I don't like the sugar police preaching at 6am through my speakers :D
    :dance:
    I believe in the power of PAD
    Come and join us on the Payment a Day thread
    :dance:
  • Calling14
    Calling14 Posts: 3,498 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Raining here too in not so sunny North Wales

    Erme I would love a coffee machine but no idea what I would get? Like latte's any recommendations welcome.

    PAD of 10.00 seems so weird as usually I take it straight off my cards but saving in another account to make payment next month, as otherwise it cancels the direct debit set up and I need 2 set up to get 5 pounds back a month off Halifax. I like to see the totals going down going to impatient month.:rotfl:
    LBM 13039 1.1.13 Now £0 Finally Debt FreeMortgage free Oct 2019:)EFund/savings £25000 10/11/22
  • Bobarella
    Bobarella Posts: 10,824 Forumite
    Savvy Shopper! I've been Money Tipped!
    £25 to THE DEBT today :)
    " Your vibe attracts your tribe":D

    Debt neutral :) 27/03/17 from £40k:eek: in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
  • Just a diddy 20p please for me
    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
  • Erme
    Erme Posts: 3,597 Forumite
    Part of the Furniture Combo Breaker I've been Money Tipped! Debt-free and Proud!
    Calling14 wrote: »
    Raining here too in not so sunny North Wales

    Erme I would love a coffee machine but no idea what I would get? Like latte's any recommendations welcome.

    PAD of 10.00 seems so weird as usually I take it straight off my cards but saving in another account to make payment next month, as otherwise it cancels the direct debit set up and I need 2 set up to get 5 pounds back a month off Halifax. I like to see the totals going down going to impatient month.:rotfl:

    Delonghi EC145 /EC152/ EC155 - get refurbished. Nice small coffee machine and does the job. Bit messy (some don't take pods) but still. For a little mess (use a pastry brush to clean the grinds up - wilko) you save a lot of cash!!! My first one was over a gaggia (same thing just £150 more at the time) - remember to descale it!!!!

    Espresso cups - pound shop or charity shop

    Hope that helps :)
    :dance:
    I believe in the power of PAD
    Come and join us on the Payment a Day thread
    :dance:
  • Sassers
    Sassers Posts: 1,303 Forumite
    Part of the Furniture 1,000 Posts Photogenic
    An extra £2 for me today please :-) Quidco has paid out after 10 months (whoo go me) :p
    Love Sassers x
    Current debt and mortgage: £25, 820.35 Debt/Mortgage at start: £92,598 (27/09/2010)
    DEBT FREE!
  • -Selene
    -Selene Posts: 158 Forumite
    £3.22 padded to my sealed pot today. :A

    Never tried a chai latte, but had a vanilla latte for the first time last month and it tasted heavenly :smileyhea
    SPC - #483 [banked £134.15] - :staradmin :staradmin gold stars from Sue-UU!
    VSP - #33 [29.8%] | 3-6 Month EF - #41 [12.6%] | £1,000 EF - #186 [4%] | Save £6k in 2016 - #180 [24.6%]
  • Good morning fellow PADders :hello:

    My PAD today is £2 to money box please Sunshine :T

    I'm one of those odd creatures that doesn't like tea or coffee so no coffee shop spends for me. I do indulge in the occasional packet of Yogi liquorice tea which I love, I used to buy Pukka peppermint and liquorice but both Lidl and Aldi have started doing their own now and it's excellent.

    Have a super day everyone :D

    TTFTM x
    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 :)
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