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  • FIRST POST
    • mooomin
    • By mooomin 1st Jan 12, 12:08 AM
    • 13,655Posts
    • 134,514Thanks
    mooomin
    A Payment A Day - The 2012 Challenge!
    • #1
    • 1st Jan 12, 12:08 AM
    A Payment A Day - The 2012 Challenge! 1st Jan 12 at 12:08 AM
    *The principles of PADding*

    Emily Hallett started a fantastic thread called 'a payment a day' which you can find here:

    Thread 1

    The thread was a huge success and was continued in 'A Payment a Day Parts 2-11'. Those threads can be found here:

    Thread 2 Thread 3 Thread 4 Thread 5 Thread 6 Thread 7 Thread 8 Thread 9 Thread 10 Thread 11

    The thread is extremely supportive and friendly, with lots of madness and smileys to boot! It is ever increasing, which is why the 2012 challengehas now been started.

    The principle of the idea is that you pay any extra money you have against a debt to clear it a little bit quicker. Not everyone makes a daily payment, but instead they save money to make a lump sum at the end of the month. You can do it anyway you want to, but join the thread and let us know how you are getting on.

    Some PaD-ers have cleared their debts and are now focusing on saving following the same principal, so they still post on the thread. Anyone is welcome to join in at anytime.

    Best wishes to everyone

    *The numbers*

    To show how well we all do, the collective amount paid to each debt, per month, will be logged here. Look how amazing the totals are


    In 2011 the People of PAD repaid towards their debts/savings a massive:


    £440,536.74



    2012 Totals:

    January: £51,890.82
    February: £27,651.56
    March: £41,266.31

    April: £27,687.84
    May: £42,887.71

    *The Rules*

    1) To assist the monthly 'counter-upper' please post your PaD in Bold, colour, large, or all three
    2) Once you join, you cannot leave
    Last edited by mooomin; 01-06-2012 at 6:41 AM.
    Comping again


    Wins this year: - two night trip to Belgium, £100 Gett taxi credit, tickets to Newcastle game, FIFA 2016 for PS4, stitch markers, Cumberstitching book
Page 99
    • beccie
    • By beccie 15th Mar 12, 8:06 AM
    • 4,310 Posts
    • 17,650 Thanks
    beccie
    £50 to the CC for me please
    Debt at LBM Apr 2010 £28,767 Debt free as of Nov 2013
  • mrsb83
    £52 to the loan please!
    Total Debt Sept 2010 - £24,132.38 / Current - £0.00/ 100% paid

    DFD - Aug 2014 24th Aug 2012

    £10 a day // Jun - £64/£300 / Jul - £133/£310 / Aug - £281/£310
    • Wesker
    • By Wesker 15th Mar 12, 11:35 AM
    • 1,340 Posts
    • 7,184 Thanks
    Wesker
    £50 today please
    Errrr...come back later
    • fairyclicks
    • By fairyclicks 15th Mar 12, 12:31 PM
    • 3,875 Posts
    • 21,544 Thanks
    fairyclicks
    Managed a £50 payment to Avon account today - going down slowly but surely
    Debt at Aug 2010 (LBM) £21,908.86, Debt Freeeeee Date 4th Nov 2013 Massive Thanks to the £10 per day thread Next goals:
    Savings £1203.16/£10,000******Mortgage to Zero: £52,579.46 to go
    Feb Earnings: £711.20/£500 March: £434.41/£500
    Currently compiling an A-Z of earning sites and happy to share it
    • newmum1
    • By newmum1 15th Mar 12, 7:01 PM
    • 1,291 Posts
    • 5,620 Thanks
    newmum1
    £3.10 please
    LBM (again):£4909.03,
    Present :£4329.92
  • dankosheemo
    Another £2 to Barclaycard for me today please susie-siouxsie. Friday tomorrow people! And that means Muchos love danko xx
    (2013)
    * Virgin Atlantic £2,837.01 £2,835* B'card £851.51 £850 * Egg £5,608.83 £5,608.83 * Mint £816.13 £770 *
    • PurpleJellyFish
    • By PurpleJellyFish 15th Mar 12, 9:03 PM
    • 532 Posts
    • 8,276 Thanks
    PurpleJellyFish
    £60 to the mortgage for me today please
    MFiT-T3 No. 122
  • SillyBlondie
    A PAD of £222.42 for me please
    NSD Challenge January 2/15

    PAD Member since 18/7/11 - Total paid to date £8885.19
  • JayJay14
    Hi everyone, pay day today so

    £640 off in various directions
  • princess*daisy
    Another 15p to the CC for me again please... Roll on payday indeed!
    A journey of a thousand miles begins with a single step. Started 15/03/2011.
    CC1 -
    6380 5800 CC2 - 2673 2238 Loan - 12172 10731 Total - 21225 18769 11.5% (£2456) paid

    • mooomin
    • By mooomin 16th Mar 12, 6:20 AM
    • 13,655 Posts
    • 134,514 Thanks
    mooomin
    £21.49 please
    Comping again


    Wins this year: - two night trip to Belgium, £100 Gett taxi credit, tickets to Newcastle game, FIFA 2016 for PS4, stitch markers, Cumberstitching book
    • never too old
    • By never too old 16th Mar 12, 6:41 AM
    • 2,759 Posts
    • 29,936 Thanks
    never too old
    Hello

    I've decided to join this challenge! I don't get paid until next week and my bank account is almost bare, so for today I shall be paying 15p towards one of my CCs.

    Okay, it's not a lot but over a year it's £54.75
    Originally posted by princess*daisy
    Welcome to the world of pad

    my pad today is £131
    Car loan £0
    HMRC 0
    ME £0
  • piglet39
    Happy Friday everybody!!!!

    £6.00 to CC today for me please - DS1 paid his keep very early this week - would have been pennies padded today otherwise!
    Last edited by piglet39; 16-03-2012 at 7:07 AM. Reason: amended PAD
    LBM Nov 07
    Challenges: A Payment A Day Challenge 2012 Joined 08.03.12
    PADding Total:March £57.65 April £10.10
    DFWNerd - 1041-Proud to be dealing with my debts!
    Pesky CC March 2012 £2916.73
    Debt@March 2012 (inc OD) £5615 DFD self imposed target Feb 2014
    • rsdiscos
    • By rsdiscos 16th Mar 12, 7:19 AM
    • 620 Posts
    • 3,628 Thanks
    rsdiscos
    Morning all

    PAd for today and yesterday is £13.84 which includes QUIDCO cash back!

    Cheers
    Zopa 1: £2804.82 7.9% PADS/RPMs £337.73 12.04%
    Zopa 2: £5808.62 7.9%
    PADS/RPMs £1416.36 24.38%
    Virgin CC:
    £3242.36 (0%) PADS/RPMS £1372.37 42.33%

    LBM 9th Jan 2016
    A PAD a day keeps the interest away!
    • retiredandskint
    • By retiredandskint 16th Mar 12, 7:45 AM
    • 560 Posts
    • 4,136 Thanks
    retiredandskint
    I've fallen by the wayside. PADding not as reguar (or good) as it should be and seriously overspending. It's like being on a runaway train and difficult to find the brake

    Today's PAD is £1.78 in the pot for the CC, hopefully when the money hits the bank I'll use it for that and not just as extra spends
    • beccie
    • By beccie 16th Mar 12, 7:57 AM
    • 4,310 Posts
    • 17,650 Thanks
    beccie
    £25 to the CC for me please
    Debt at LBM Apr 2010 £28,767 Debt free as of Nov 2013
  • mrsb83
    £84.69 from me today please.

    Soooooooooo glad it's Friday but it's going to be a long day
    Total Debt Sept 2010 - £24,132.38 / Current - £0.00/ 100% paid

    DFD - Aug 2014 24th Aug 2012

    £10 a day // Jun - £64/£300 / Jul - £133/£310 / Aug - £281/£310
  • JayJay14
    £2 to the coin jar so far today.
    • vasseur
    • By vasseur 16th Mar 12, 10:23 AM
    • 3,067 Posts
    • 9,858 Thanks
    vasseur
    £2.58 to the CC for me please
    It's not how far you fall - it's how high you bounce back....
    Happiness is not a destination - it's a journey
    • psychopathbabble
    • By psychopathbabble 16th Mar 12, 10:29 AM
    • 5,809 Posts
    • 38,746 Thanks
    psychopathbabble
    a small 50p please still awaiting my final cheque from PPI

    Became Mrs Scotland 16.01.16 Became homeowners 26.02.16 Baby due 04.11.16


    Debt Paid = £2555.82/£12,185.99 (21% paid off)
    RBS CC RBS LOAN MBNA 1 MBNA 2 BED FINANCE
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