Payment a Day Chapter 17

jet9cat

Quickly popping on to say yesterday's PADs totalled £76.23


And my PAD for today is £8


Now off to meet up with my sisters and nephew at Old Trafford for a day at the cricket

kirtsypoos

Happy Saturday everyone

My final loan DD came out today, leaving the balance at zero with only the interest which is added on 1st August left to pay :j:j

My PAD for today is £345.12 please jet9cat - have a lovely day at the cricket!

Erme

Keedie wrote: »

HI All,

My pad for today is £17 please Jet. My last pay cheque as I'll be redundant in the next 2 weeks :eek::eek::eek:

Erme - I too have MH issues, and it has really devastated any chances that I have had about being debt free over the years & then that makes my debt spiral even more, as I have spending sprees when I am having a depressive episode. But I have learnt to just take each day as it comes, and walk around using cash as much as I can, as online spending and balance transfers within the last 10 months, has contributed to about £7,000 of my debt. And realising that after 11 years on continual employment, I am leaving with debts of the same amount of my redundancy... that has been a sobering eye opener. But this forum and the 1% debt repayments thread has really helped.

I can't undo the debts, or forget the anxiety and depression that caused most of it, but I can slowly accept that I have these problems and take little steps to coping better. We can't budget in some respects, as it requires a consistency of mood and mindset to stick to it. So I think the aim is not to be too restrictive about budgets, but to be more aware of what triggers the relationship between MH and money.
xx

Och yeah I totally get you but at least you are trying. I know of someone with psychological problems who is getting into more and more debt (even got a 2nd mortgage on his flat) and is waiting for 'rescue' - then says he's so intelligent he doesn't 'need a budget'. I also got a very insensitive friend tell me when in debt that I needed someone to 'take over my finances for me so I would just have a little each week to spend' - well a DMP (debt management program) can do that (mine was a mini disaster!) but I tried that and really didn't find it helpful.

As my church friends many years ago said - 'baby steps for any form of recovery in mental health' - even if it's 1 step forward, 2 back. (or whatever it is? Dumb me)

Still in semi spend mode :P.....Not helped by therapist telling me I needed to save x by y - then going online and finding he was £200 short!

e

White-as-Snow

Happy weekend xx

Dizzy Imp- Uni course is going great thank you! Just passed this years exam so have now completed 120 credits (so 1 full year of uni) 240 more to go
Yes we get summer breaks. We get a week at Christmas and a weeks at Easter too. Not half terms though so it's a bit harder when the kids are off at that time but not too bad to work around it.
It's never too late if you really wanted to learn I don't think!

kirtsypoo- Well done on the loan! Do you know how much the intrest will be so that you can blitz it?

A PAD of £28.44 for me today please x

kirtsypoos

Thanks W-A-S, I struggle to calculate how Natwest add the interest to the loan but I think I'll have around £60 to pay so I've kept £80 aside and will get that paid as soon as I know the amount

Keedie

Hi All,

Hope you're all enjoying the nice weather .

Kirstypoos - congratulations on the loan repayment, I know that you must be feeling amazing right now :j:T:j:T. It's so exciting when you achieve something so big.

Erme - it's really hard, and every day is a struggle. I still spend way more than I should do, but I have been trying to find cheaper alternatives to things. I've seen the speed in which my debts are going down through being a PADington member, nearly £900 cleared since the beginning of the month. I had a few people pay me back from little loans and instead of spending it, I paid my debts so that I could declare my pads . But the days when I don't feel stable enough to be in charge of my finances, I just accept them and if I have overspent, I just try not to get too upset about it. I have set up a basic bank account, as it has no monthly fees or overdraft facility. So I cannot get stung that way. And my sisters can tell when I'm starting to slip, and they question me or try and talk me out of big expenses. I wouldn't be able to follow a debt management plan, so I have not even considered it as an option. When I feel too restricted, my mood spirals and I will end up boosting my mood through shopping or going out to restaurants etc.

Jet9cat - my PAD for today is £100 to reduce the overdraft.

Keedie,
xx

ahall3519

Apologies, I haven't been on for the past week or so. My PAD today is £40 please. Which now brings my CC Debt down to £798.07!

LittleMissDetermined

Good morning PADdingtons

Just a small £1 for me today going to the credit card

LMD xx

Dizzy_Imp

Morning bears :wave:

Hugs to people struggling ATM for whatever reason. Money worries and poor mental health go hand-in-hand too often. Being able to explain how you're feeling on here really can help. Nobody judges, which is fab xxx

£20 to DH's CC today. He took Small to see The BFG yesterday evening and sensibly booked tickets in advance, so had to use his card. I'll let him off this time

Have a lovely Sunday all x

White-as-Snow

morning. x

A quick PAD of £29.81 please xxx