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Payment A Day Chapter 16

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Comments

  • Igamogam
    Igamogam Posts: 6,028 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Combo Breaker
    £4.16 to The Debt :)
    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' :) ;)
  • Igamogam
    Igamogam Posts: 6,028 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Combo Breaker
    gotomakemyselfproud wrote: »
    Hi, I am new to this site and have had my light bulb moment a couple of weeks ago.


    Please may I join this challenge?


    I think it is a great way to try and get my debt down. Can you tell me if you think it is best to 'snowball' all extra payments on one card/loan or spread them out?


    Many Thanks!


    Hello and welcome :) I believe 'snowballing' is that you throw all you can to the debt with the highest interest, so I guess yes! Snowball has never worked for me because all my debt is on 0% but I do hit the bit of the debt that is finishing soonest on a 0% deal :)
    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' :) ;)
  • Igamogam
    Igamogam Posts: 6,028 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Combo Breaker
    Dizzy_Imp wrote: »
    Erm, nope. Got carted off in an ambulance after collapsing in the caravan. Got home about an hour ago after lots of tests that ruled out a heart attack. Most likely have torn intercostal muscles. Still very painful but been told to take it easy and relax - yeah, right!

    DH says I'll do anything to get out of the hovering!

    Had similar experience......mine was a gallbladder problem:o

    And really you must stop the hovering:rotfl::rotfl: I sure that would help with the torn muscles:rotfl::rotfl:;)
    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' :) ;)
  • misfire
    misfire Posts: 507 Forumite
    Part of the Furniture 100 Posts Combo Breaker Debt-free and Proud!
    Dizzy -hope your on the road to recovery soon, sounds really scary.

    £2.00 for me today please.

    Have a good day everyone x
    Debt free May 2016 (without the support of MSE forum users that would never have been possible - thank you all)
  • kirtsypoos
    kirtsypoos Posts: 3,825 Forumite
    Part of the Furniture 1,000 Posts Photogenic Combo Breaker
    Hi all,

    So sorry I didn't get on to do the final count up but the total for 31st March was an absolutely whopping £4920.40 :T:beer::j

    Will be back later with the March total months PADs :D
    :j PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID :j LBM 24/07/15 - Original Debt: £0/31010.23 (100% paid) :eek:
    Mortgage - £151.316.54 :eek:
  • kirtsypoos
    kirtsypoos Posts: 3,825 Forumite
    Part of the Furniture 1,000 Posts Photogenic Combo Breaker
    edited 4 April 2016 at 3:15PM
    £107.05 to various CCs over the weekend please - I couldn't get the site to load but my mobile banking still worked luckily - I couldn't miss a PAD!!
    :j PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID :j LBM 24/07/15 - Original Debt: £0/31010.23 (100% paid) :eek:
    Mortgage - £151.316.54 :eek:
  • LPMS
    LPMS Posts: 89 Forumite
    £5.21 to the BarclayCard tonight please
    Total Debt - £30,814.90 at 12/2/2016
    Total Paid £993.24 = 3.22% at 29/04/2016
    2 debts of 20 paid off
  • redkelly
    redkelly Posts: 203 Forumite
    £10.00 to MBNA Tonight please
    Payment a Day : Creation £1416.05 Cleared June 2017
    Capital One : £2169.37 Cleared May 2018
    M & S : £3207.29 Cleared May 2018
    First direct £4900.00 Cleared July 2018
    Next £2206 Cleared September 2018
    Capital One Platium £2800.00 Cleared November 2018
  • 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 £13.80 payment to cc - Thanks Rsdiscos :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
  • Bobarella
    Bobarella Posts: 10,824 Forumite
    Savvy Shopper! I've been Money Tipped!
    gotomakemyselfproud wrote: »
    Hi, I am new to this site and have had my light bulb moment a couple of weeks ago.


    Please may I join this challenge?


    I think it is a great way to try and get my debt down. Can you tell me if you think it is best to 'snowball' all extra payments on one card/loan or spread them out?


    Many Thanks!

    Welcome to Team PAD.
    " 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
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