We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Payment A Day Chapter 18

Options
1346891158

Comments

  • Morning!

    My PAD today is a regular BC payment of £255.94 please Keedie

    LMD xx
    Life gets in the way...PADding is addictive...Saving's better than spending...
    2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017
    Sealed pot 2025 £5678 | EF £1000/£1000 | Sabbatical £3188/£6000 | Travel savings £1924 | Sinking pots £2126
  • Morning all,

    Another £1 has been paid to the credit card 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
  • Hi

    £5.00 to savings for me today.
    On a mission!

    2018 & 2019 MFW #138

    On babystep2 (#DR)
  • mandz1
    mandz1 Posts: 2,548 Forumite
    £4 to cc again please
    PAD Maker
  • Erme
    Erme Posts: 3,597 Forumite
    Part of the Furniture Combo Breaker I've been Money Tipped! Debt-free and Proud!
    Evening,
    Love the new thread, a tiny £2 for me please, am really struggling now so may only be coppers from now until payday.
    Big thanks to all who run the thread
    Xx

    This is perfectly ok and nothing to be ashamed about DOM so for this I present thee with a virtual latte as it's freezing here this am :P
    lion.gif
    Keedie wrote: »
    Morning All,

    For the 26th January 2017, we had a great total of £644.70 :j

    We are doing fantastically so far this month, and I am pleased that once a few direct debits come out I'll finally be able to PAD and contribute before the month ends...

    Especially as I had to increase my debt also Sashybo (so I know how it feels), to take into account no income as the JCP stopped all my JSA because I worked part time for 5 weeks (absolutely fair enough), but I gave them all of the information to show that I had finished this temporary role, and they didn't input it into the system and so I had no income at all (I don't qualify for tax credits because of what I earned last tax year). It took over a month to get this sorted, as I have had nothing coming in since Christmas. Also, my housing benefit was reassessed whilst I was working, and despite also telling them that I was no longer working again, they have processed my claim until the end of the tax year (as if I am in employment) and told me that I've been overpaid HB by hundreds. So still trying to sort that out as well - hence the debt once again spirals out of control. I need to get healthy ASAP so that I can work full time, as this limbo feeling is really scary.

    Sorry for the rant, but after calling a few times a week for over a month, I was finally told that a payment would reach me today for JSA. But the person I spoke to implied that it was all my fault! (for working on a temporary contract) :mad: I don't believe in benefit fraud, but I can see why people are driven to work and claim benefits as the hassle I have just been through, for 5 weeks work at 12 hours a week is just a joke... :(

    Keedie,
    xx

    Really feel for you here Keedie

    Benefits never being secure (even 10 years ago when labour were in power) was my motivation to get debt free. Even back in the day when benefits were excellent for me and my peers I knew it wasn't always going to be the case - hence I started debt busting...

    Please don't lose heart and know we all care and are here for you keedie -

    Huge hugs black-and-white-cat-smiley-emoticon.gif

    E
    :dance:
    I believe in the power of PAD
    Come and join us on the Payment a Day thread
    :dance:
  • sashybo
    sashybo Posts: 4,595 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Hi all, £6 to the loan today as got some cash back money through from TCB. :j
    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.
  • Keedie
    Keedie Posts: 2,847 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Combo Breaker
    edited 29 January 2017 at 3:27AM
    Morning All,

    The total for 27th January 2017 was an absolute whopping PAD of £1,349.24! :j:j:j Well done everyone (and great PAD LMD).

    Thanks for the support everyone, it is hard at the moment, but I am plodding along. I know that being on benefits will only get harder Erme, and it is scary. But I discussed it all with my psychotherapist and GP and they've made me realise that I can't compromise my health to rush into unsuitable work. As then I'll become very ill and I'll be unable to work at all :(. So I am still looking for a part time job, but those that don't involve a lot of travel of shorter hours but everyday in an office are a bit hard to find, but something will come up...:cool:
    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
  • kirtsypoos
    kirtsypoos Posts: 3,825 Forumite
    Part of the Furniture 1,000 Posts Photogenic Combo Breaker
    Morning all,

    £10 for me today please :)

    Keedie, as hard as it is in the meantime, you are making the right decision in the long run - you have to prioritise yourself and make sure you go for the right job for you :)
    :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:
  • Keedie wrote: »
    Morning All,

    The total for 28th January 2017 was an absolute whopping PAD of £1,349.24! :j:j:j Well done everyone (and great PAD LMD).

    Thanks for the support everyone, it is hard at the moment, but I am plodding along. I know that being on benefits will only get harder Erme, and it is scary. But I discussed it all with my psychotherapist and GP and they've made me realise that I can't compromise my health to rush into unsuitable work. As then I'll become very ill and I'll be unable to work at all :(. So I am still looking for a part time job, but those that don't involve a lot of travel of shorter hours but everyday in an office are a bit hard to find, but something will come up...:cool:

    Keedie today is the 28th! :D
    Life gets in the way...PADding is addictive...Saving's better than spending...
    2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017
    Sealed pot 2025 £5678 | EF £1000/£1000 | Sabbatical £3188/£6000 | Travel savings £1924 | Sinking pots £2126
  • sashanut
    sashanut Posts: 3,252 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Mortgage-free Glee!
    icon1.gif Hi all :j

    My PAD is £18.91 - 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
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351K Banking & Borrowing
  • 253.1K Reduce Debt & Boost Income
  • 453.6K Spending & Discounts
  • 244K Work, Benefits & Business
  • 599K Mortgages, Homes & Bills
  • 176.9K Life & Family
  • 257.4K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.