Payment A Day Chapter 18

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  • AdventureWanted
    AdventureWanted Posts: 1,474 Forumite
    First Anniversary Name Dropper First Post
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    £258.99 to CC1 today.
    LBM Aug 2017.
    Debt at LBM - £30,055
    Debt at highest - £43,148.59
    Current debt - £18,880.00
    EF - £1,000.00

    Challenges
    PAYDBX 2021 - #29 Pd £2,355 / £8,000 PAYDBX 2020 - Pd £6,459.00 | PAYDBX 2019 - Pd £16,945.60 | PAYDBX 2018 - Pd £15,010.60.
  • IWILLgetthere
    IWILLgetthere Posts: 102 Forumite
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    Hello PADders :)
    I've not been on here for a while as things have been pretty dire and I have basically been sitting with my head in my hands wondering what on earth to do :eek:
    My total debt is £11,800 approx (cc's and a loan) and as I have slipped behind on payments am finding it hard to keep up and everything is spiralling out of control - very scary times!!
    I went on the Stepchange website and filled out a budgeting form with them - they advised me to set up DMP and I have just sat and handwritten (can't afford printer ink!) 6 letters to my creditors offering them a proportionate monthly amount from my available funds (eek) - some get £1.60 up to some getting £20.80.I have paid them all their amount online today making my PAD £52.00
    I have not included Next and Littlewoods when writing these letters (now I know a lot of people are going to say this is wrong) beacuse the payments to them are manageable and I really need to keep my accounts open for emergencies - I only ever use them for school shoes/coats, christmas and if I need to replace something like washing machine/fridge etc.
    Will post my letters off tomorrow and hope for the best.... I AM VERY SCARED.
    If anyone has any advice of any type I welcome it!!! xx
  • cufc_mike
    cufc_mike Posts: 587 Forumite
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    £5.21 off my cc today.
  • LittleMissDetermined
    LittleMissDetermined Posts: 8,071 Forumite
    First Anniversary Debt-free and Proud! Photogenic Name Dropper
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    First working day of the month so £325.80 to various places for me please

    LMD x
    Life gets in the way...PADding is addictive...Saving's better than spending...
    My savings diary - Now for a healthier, wealthier me
    2024 1p challenge #11 | Cash envelope challenge #01 | SPC #017
    Sealed pot 2024 £2551.68 | EF £1000/£1000 | Sabbatical £970/£3000 | Holiday spends £540 | General Saver £2422.48
  • AdventureWanted
    AdventureWanted Posts: 1,474 Forumite
    First Anniversary Name Dropper First Post
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    Morning everyone,
    Hope you all had a good weekend. Just paid an additional £5.50 off CC1.

    AW
    LBM Aug 2017.
    Debt at LBM - £30,055
    Debt at highest - £43,148.59
    Current debt - £18,880.00
    EF - £1,000.00

    Challenges
    PAYDBX 2021 - #29 Pd £2,355 / £8,000 PAYDBX 2020 - Pd £6,459.00 | PAYDBX 2019 - Pd £16,945.60 | PAYDBX 2018 - Pd £15,010.60.
  • jet9cat
    jet9cat Posts: 1,657 Forumite
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    So welcome to October everyone, let's see what we can do this month towards smashing this debt and letting us all sleep easier. Any advice/encouragement for those struggling always welcome. We got off to a good start with payments yesterday of


    £532.85
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear :D
  • jet9cat
    jet9cat Posts: 1,657 Forumite
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    My own payment today is £30 to the EF




    Iwillgetthere - really feeling for you and hoping you have support through this. Have you posted on the DFW board for help and support? There's plenty there with experience of working with Stepchange or doing DMPs that will have help and advice. Hope the DMP is the start of seeing light at the end of the tunnel.
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear :D
  • dg1019
    dg1019 Posts: 967 Forumite
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    £25 to card 4 for me today please jet9cat
    Tesco 4163.90 (-86.00 since 01/01/23)
    First Direct 2437.49 (-153.09 since 01/01/23)
    Halifax 2391.37 (-55.70 since 01/01/23)
    MBNA 1577.00 (-78.00 since 01/01/23)
    Virgin 786.66 (-25.00 since 01/01/23)
    Overdraft 500.00 (-0 since 01/01/23)
    Spending CC 4538.34 (+521.24 since 10/01/23)
  • erin_transport
    erin_transport Posts: 964 Forumite
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    Morning
    Just a little banking tidy up this morning
    £1 to cc
    £1.27 to savings
    £2.27 total for me today
    On a mission!

    2018 & 2019 MFW #138

    On babystep2 (#DR)
  • mumofthetwins
    mumofthetwins Posts: 1,111 Forumite
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    took the plunge and paid £200 off cc .. this means that the remaining balance after my 0% BT has now been cleared ..


    now to start chipping at that one ..


    Lisa x
    DFW
    January £0/£11,100

    NSD
    January 1/31
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