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Payment a Day Chapter 17

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  • Hi all!

    My PAD today is £100 off my Argos Card...selling stuff that I don't need is going well!! :j

    Chappie x
    PAD - Barclayloan - £3078.32/£3758.32

    January 2022 Grocery Challenge - £600

    Saving for Christmas 2022 - #33 - £1 a day Challenge - £10/£365

    Virtual Sealed Pot Challenge 2022 - £8.55/£500
  • kirtsypoos
    kirtsypoos Posts: 3,825 Forumite
    Part of the Furniture 1,000 Posts Photogenic Combo Breaker
    edited 20 January 2017 at 10:57AM
    Morning all!

    £20 for me today please Keedie :)
    :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:
  • Good morning
    £20[/COLOR] to the savings for me please today
    Big thanks to all Xx
    Jan 2025 £26561.43/£0. I want to clear £9000 this year (2025)
  • Keedie
    Keedie Posts: 2,847 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Combo Breaker
    Afternoon All,

    I hope that you're having a good day? I'm starting to see a hopeful glint of sunshine here although it's still bitterly cold lol.

    Yesterday, 19th January 2017, we PADded a nice tidy sum of £86.72, keep going everyone. :j

    And I'm impressed Chappie that you've managed to pay so much off your Argos card through selling things! :T

    Keedie,
    xx
    Debt Free Diary:- The Mental Debt Struggle
    (Original Debt on 15/07/2016 was £33,056.76) 🙈 but Debt Free on 09/02/2025 🎉
    2025 SAVINGS: Emergency Fund (£604.30/£5,000) 12.09% saved
    2025 CHALLENGES: #16 Sealed Pot Challenge ~ 18 || #9 50 Envelope Challenge 22/50
  • sashybo
    sashybo Posts: 4,595 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Hi all, another £1 to the loan.

    My debt total will be going back up again soon as we need to trade my car back in (on PCP & in negative equity) for a bigger, 5 door one with the baby on the way. Taking out a loan is much cheaper than car finance (3.3% from the bank vs 9% from car dealer :eek:) but will whack my total right back up. :( New lender offers a 2 month payment break at the start of the loan (nothing signed as yet) so won't add new debt to my sig straight away, just feeling a bit deflated that the total will be rising (again) and have only recently gotten under 9K.:(
    Success is not final, failure is not fatal: it is the courage to continue that counts. Car loan 1 £11,174, Car loan 2 £5,532, CC 0% BT £780. Debt Free Diary to try & keep spending in check.
  • sashanut
    sashanut Posts: 3,252 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Mortgage-free Glee!
    Hi all :j

    My PAD is £31.20 - pmt to M&S cc - thanks Keedie!!
    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
  • mandz1
    mandz1 Posts: 2,548 Forumite
    Haven't been able to PAD for a little bit, but managed a payment to cc today of £21.47
    PAD Maker
  • Erme
    Erme Posts: 3,597 Forumite
    Part of the Furniture Combo Breaker I've been Money Tipped! Debt-free and Proud!
    sashybo wrote: »
    Hi all, another £1 to the loan.

    My debt total will be going back up again soon as we need to trade my car back in (on PCP & in negative equity) for a bigger, 5 door one with the baby on the way. Taking out a loan is much cheaper than car finance (3.3% from the bank vs 9% from car dealer :eek:) but will whack my total right back up. :( New lender offers a 2 month payment break at the start of the loan (nothing signed as yet) so won't add new debt to my sig straight away, just feeling a bit deflated that the total will be rising (again) and have only recently gotten under 9K.:(


    Life happens hun icare.gif

    For me? Cooker died last night and the prices of cooker's aint cheap....

    So have ordered a halogen oven - but first things first - disconnecting the old cooker and shifting it to bin room. Have a blanket to put it on so it doesn't kill the laminate in the corridor - here's hoping and praying I can do all this without causing any injury (I figure if I can rewire an e-cig safely I can disconnect an electric cooker - youtube is my friend)

    E
    :dance:
    I believe in the power of PAD
    Come and join us on the Payment a Day thread
    :dance:
  • Morning everyone :hello:

    £1 to the credit card for me today.
    VSPC 2019 #10 - £168.80/£100 VSPC 2020 #4 - £262.03/£200 VSPC 2021 #9 - £242.88/£200 VSPC 2022 #3 - £188.03/£200 VSPC 2023 #7 - £0/£200
  • Keedie
    Keedie Posts: 2,847 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Combo Breaker
    Hi All,

    Our PAD for 20th January 2017 was a lovely £177.10 :)

    Sashybo - don't worry about it going up, as Erme said,life happens. Mine increased by a few thousand last year, and it was really disheartening at the time. But I didn't use it for anything frivolous, and a sensible car is a good purchase. Besides, you did it the MSE way, as you looked for the cheapest way to borrow the money, so it may go up temporarily, but it'll come down a lot quicker than if you'd opted for the car finance option :group hug:

    Erme, I hope that the flooring stays in tact and it's not too hard to replace/move the cooker. :)

    Keedie,
    xx
    Debt Free Diary:- The Mental Debt Struggle
    (Original Debt on 15/07/2016 was £33,056.76) 🙈 but Debt Free on 09/02/2025 🎉
    2025 SAVINGS: Emergency Fund (£604.30/£5,000) 12.09% saved
    2025 CHALLENGES: #16 Sealed Pot Challenge ~ 18 || #9 50 Envelope Challenge 22/50
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