Payment A Day Chapter 18

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Comments

  • Morning everyone

    Payday has finally arrived so I've paid a load of bills and moved some money to savings, total PAD for me today is £1250 please Keedie

    I'm away quite a bit in Feb so won't be able to PAD every day so hoping this will compensate

    LMD xx
    Life gets in the way...PADding is addictive...Saving's better than spending...
    2024 1p challenge #11 | Cash envelope challenge #01 | SPC #017
    Sealed pot 2024 £2363.03 | EF £1000/£1000 | Sabbatical £900/£3000 | Holiday spends £430 | General Saver £2562.77
  • Morning all,

    A mighty £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
  • Morning!!

    £5.00 to savings
    £2.20 to cc1

    £7.20 PAD for me👍👍
    On a mission!

    2018 & 2019 MFW #138

    On babystep2 (#DR)
  • kirtsypoos
    kirtsypoos Posts: 3,824 Forumite
    First Anniversary First Post Combo Breaker Cashback Cashier
    Morning PADdingtons!

    £10 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:
  • Keedie
    Keedie Posts: 2,226 Forumite
    First Anniversary First Post Photogenic Combo Breaker
    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
    Debt Free Diary:- The Mental Debt Struggle
    Debt Tracking Restart Take 3 from 01/05/2023 = £23,643.30 (8 creditors) So, on 02/04/2024 = £15,543.30/£23,643.30 (1 creditor) = 65.74% repaid Aiming to be Debt Free = 31/12/2025

    CREDITORS: Barclaycard (£6,066.23/£14,166.23) 42.82% repaid

    (Original Debt on 15/07/2016 was £33,056.76) 🙈

    2024 SAVINGS: Emergency Fund (£220.99/£1,000) 22.10% saved || #5 50 Envelope Challenge 6/50
    2024 CHALLENGES: #30 Debt Free by Xmas 2024 (£2,030/£6,750) 30.07% repaid
  • sashybo
    sashybo Posts: 4,501 Forumite
    Name Dropper First Post First Anniversary Photogenic
    Another £1 to the loan today.

    Keedie that sounds like a nightmare. :eek: The DWP processes are so slow & over complicated. :mad: Hope you're better soon.

    At least we're all aware of & working towards reducing our debts (even when we need to temporarily increase them). I think that's a good start. :)
    Success is not final, failure is not fatal: it is the courage to continue that counts. Car loan 1 £14,073, Car loan 2 £16,000, 0% CC1 £195. Debt Free Diary to try & keep spending in check.
  • Bobarella
    Bobarella Posts: 10,824 Forumite
    Savvy Shopper! I've been Money Tipped!
    £16 today to take me under £400 in time for the weekend!
    " 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
  • Chappie77
    Chappie77 Posts: 191 Forumite
    Photogenic First Post First Anniversary Combo Breaker
    Hi all!

    A small PAD of £10.16 today

    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
  • sashanut
    sashanut Posts: 3,252 Forumite
    First Post Combo Breaker First Anniversary Mortgage-free Glee!
    icon1.gif Hi all :j

    My PAD is £45.99 - 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
    £7.89 to cc please
    PAD Maker
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