Payment A Day Chapter 18

IWILLgetthere

Hello everyone and Thank You for the welcomes - I am new to forums, was just desperately reading everything on MSE website and stumbled across PAD - has really inspired me - thanks everyone I WILL GET THERE!!!:)
Today is a good day so my very 1st pad total is
£150


( 87.00 cap one, 34.00 next,24.00 littlewoods,5.00 barclaycard)

sashybo

Hi all, my usual £1 to loan no1 today.

Woohoo Erme I got the llama smilie. :j:j That is a cause for celebration. :beer:

IWILLgetthere

sashybo - your £1 a day and amazing achievements are an inspiration :A:T:T

IWILLgetthere

can i please ask all you PAD experts some advice please?... If (for example) I have £4 to pad then am I better doing £1 x 4 debts or £4 off one debt? not sure which is the better option so any advice gratefully accepted.Thank you

sashanut

Hi all

Popping in to PAD £19.42 to M&S cc plz jet9cat - tkyou!!

LittleMissDetermined

Morning all!

£15 for me today please

LMD x

kirtsypoos

IWILLgetthere wrote: »

can i please ask all you PAD experts some advice please?... If (for example) I have £4 to pad then am I better doing £1 x 4 debts or £4 off one debt? not sure which is the better option so any advice gratefully accepted.Thank you

Hi IWILLgetthere, have you completed the snowball calculator? If not, go to http://www.whatsthecost.com/snowball.aspx and complete the calculator - it will work out where you should concentrate your payments based on interest rate, to ensure you make the most of your PADs

jet9cat

Good start to your PADding journey Iwillgetthere - agree with kirtsypoos, from the point of view of the thread it doesn't matter if goes against one debt or 4 but from the point of view of your debtbusting the snowball calculator helps you work out where the extra payments will save most interest and get value for money from the payments.


Yesterday's total is a wonderful £580.82

jet9cat

And paid £35 off my balance cc2

laurababs

PAD of £4.79 today