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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 22nd Jan 17, 3:05 PM
    • 3,095Posts
    • 13,776Thanks
    kirtsypoos
    Payment A Day Chapter 18
    • #1
    • 22nd Jan 17, 3:05 PM
    Payment A Day Chapter 18 22nd Jan 17 at 3:05 PM
    *The principles of PADding*

    Emily Hallett started a fantastic thread called 'a payment a day' which you can find via going to this webpage (sorry it won't work for me right now)

    The thread is extremely supportive and friendly, with lots of madness and smileys to boot! It is ever increasing, which is why having hit 200 pages, challenge is continuing on a brand new thread.

    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

    PS. Here are the rules


    *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

    Total for our Latest Month (May 2016) was:
    £11,278.15 (Thanks Bobarella for being Mays counter Upper )
    June 2016:
    £27,734.49
    July 2016:
    £24,284.13
    August 2016:
    £30,740.14
    September 2016:
    £27,504.99
    October 2016:
    £14,546.08
    November 2016:
    £7,661.39
    December 2016:
    £4541.33

    Total for 2016
    £240,681.72


    January 2017 - Huge thank you to Keedie for keeping tabs
    £13,746.74

    Feb 2017 - Keedie doing the honours
    £7,930.50

    March 2017 - Huge thanks to Mandz
    £15,192.39

    April 2017
    £18,117.88

    May 2017
    £12,909.60

    June 2017
    £15,548.01

    July 2017
    £10983.76

    August 2017
    £13,640.17

    September 2017
    £12303.59

    October 2017
    £11,151.91

    November 2017
    £14,979.38
    Last edited by kirtsypoos; 01-12-2017 at 12:15 PM.
    £150/3000 OH BC(95% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £150/31010.23 (99.51% paid)
    Mortgage - £160,500.00 (2017 O/P £2475.46) PAYDBX 17 #006 - £18,079.25/14,539.71
Page 149
    • LittleMissDetermined
    • By LittleMissDetermined 6th Dec 17, 5:40 AM
    • 1,823 Posts
    • 7,626 Thanks
    LittleMissDetermined
    Morning all

    My PAD is £15.95 regular payment

    LMD x
    Target Debt Free Day 27th Jun 2019
    Life gets in the way...PADding is addictive... Saving's better than spending...

    £1000 EF Challenge #142 £1285/£1000 ... 3-6Mth Wages Challenge #4 £4100/£7129...
    24 months of Debt-busting to go...
    • TheMsTeal
    • By TheMsTeal 6th Dec 17, 8:35 AM
    • 153 Posts
    • 592 Thanks
    TheMsTeal
    Morning! £5 to regular payment.
    Debt Free Day Target: November 2018

    £2 Savers Club 2017: no 41
    • Sassers
    • By Sassers 6th Dec 17, 12:34 PM
    • 1,242 Posts
    • 8,077 Thanks
    Sassers
    Hi everyone - hope you're all wrapped up nice and warm.
    It's bitter cold here in south Wales (and I think we've got snow on the way...
    My pad for this month is £760
    ...and I'll be back a bit later with last months total too.
    Lots of love
    Sassers xxxx
    Current debt and mortgage: £33, 970
    Debt/Mortgage at start: £92,598 (27/09/2010)
    Paid off so far: £57,133
    • kirtsypoos
    • By kirtsypoos 6th Dec 17, 1:17 PM
    • 3,095 Posts
    • 13,776 Thanks
    kirtsypoos
    Afternoon all!

    £23.28 to spendy CC for me today please
    £150/3000 OH BC(95% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £150/31010.23 (99.51% paid)
    Mortgage - £160,500.00 (2017 O/P £2475.46) PAYDBX 17 #006 - £18,079.25/14,539.71
    • erin_transport
    • By erin_transport 6th Dec 17, 3:36 PM
    • 345 Posts
    • 1,625 Thanks
    erin_transport
    Hi
    £2 to cc
    £2 to online savings
    £4 total for me today
    On a mission!
    • taskey
    • By taskey 6th Dec 17, 8:08 PM
    • 83 Posts
    • 183 Thanks
    taskey
    £0.58 bank round down to Tesco cc
    £1 a day for Xmas 2018 #9 £13/£365 As at 13/12/17 - £2 savers club £6 14/12/17
    DEC 17 1 - Overdraft £1 p/day when used £650 2 - Next account £108.99 3 - Argos card 0% interest till Oct 18 £369.52 4 - Tesco CC 0% interest till nov 18 £2207.33 5 - Loan d/d set up and paying till 1/7/20 6 - Mortgage - looking to pay extra per month/day
    • jet9cat
    • By jet9cat 6th Dec 17, 8:47 PM
    • 1,366 Posts
    • 10,171 Thanks
    jet9cat
    Evening everyone


    total for 5th December was £223.70
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • beach-holiday
    • By beach-holiday 7th Dec 17, 5:28 AM
    • 135 Posts
    • 468 Thanks
    beach-holiday
    54p rounding down for me today please

    b-h
    #014 SPC10 2017 - £500 target
    1% Challenge - 4% paid (start: £3858; now £3698)

    • LittleMissDetermined
    • By LittleMissDetermined 7th Dec 17, 5:31 AM
    • 1,823 Posts
    • 7,626 Thanks
    LittleMissDetermined
    Morning PADdingtons

    My offering today is £5.77 regular payment please

    LMD x
    Target Debt Free Day 27th Jun 2019
    Life gets in the way...PADding is addictive... Saving's better than spending...

    £1000 EF Challenge #142 £1285/£1000 ... 3-6Mth Wages Challenge #4 £4100/£7129...
    24 months of Debt-busting to go...
    • Cazzell
    • By Cazzell 7th Dec 17, 5:47 AM
    • 45 Posts
    • 307 Thanks
    Cazzell
    Good morning all. Pad today is £16.75 to CC2 please.
    Proud to be dealing with my debts
    Snowball amount £25548.54
    PAD Challenge £956.15(Oct - Dec 2017)
    1% Challenge so far 11%(Oct - Dec 2017)
    • TheMsTeal
    • By TheMsTeal 7th Dec 17, 7:37 AM
    • 153 Posts
    • 592 Thanks
    TheMsTeal
    Morning! Another £5 to regular payment.
    Debt Free Day Target: November 2018

    £2 Savers Club 2017: no 41
    • kirtsypoos
    • By kirtsypoos 7th Dec 17, 10:15 AM
    • 3,095 Posts
    • 13,776 Thanks
    kirtsypoos
    Morning all!

    OHs CC DD finally came out this morning so £75.00 for me today please
    £150/3000 OH BC(95% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £150/31010.23 (99.51% paid)
    Mortgage - £160,500.00 (2017 O/P £2475.46) PAYDBX 17 #006 - £18,079.25/14,539.71
    • erin_transport
    • By erin_transport 7th Dec 17, 3:47 PM
    • 345 Posts
    • 1,625 Thanks
    erin_transport
    Hi
    £250 to cc to replace an unplanned spend last week.
    On a mission!
    • jet9cat
    • By jet9cat 7th Dec 17, 6:39 PM
    • 1,366 Posts
    • 10,171 Thanks
    jet9cat
    £5 paid off balance cc1 today
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • jet9cat
    • By jet9cat 7th Dec 17, 6:40 PM
    • 1,366 Posts
    • 10,171 Thanks
    jet9cat
    Total for Wednesday 6th December, a very impressive




    £818.02
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • taskey
    • By taskey 7th Dec 17, 8:37 PM
    • 83 Posts
    • 183 Thanks
    taskey
    £2.04 bank round down to next account
    £1 a day for Xmas 2018 #9 £13/£365 As at 13/12/17 - £2 savers club £6 14/12/17
    DEC 17 1 - Overdraft £1 p/day when used £650 2 - Next account £108.99 3 - Argos card 0% interest till Oct 18 £369.52 4 - Tesco CC 0% interest till nov 18 £2207.33 5 - Loan d/d set up and paying till 1/7/20 6 - Mortgage - looking to pay extra per month/day
    • sashanut
    • By sashanut 7th Dec 17, 11:33 PM
    • 2,619 Posts
    • 24,394 Thanks
    sashanut
    Hi all

    Popping in to PAD - £13.95 pmt to M&S cc - plz Jet - tkyou!!
    New start JAN15 - NOT BUYING IT 2015 . 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
    • cufc_mike
    • By cufc_mike 8th Dec 17, 12:09 AM
    • 366 Posts
    • 1,957 Thanks
    cufc_mike
    £9.16 mortgage overpayment for me today
    Make £300 December Challenge: £275.08 / £300 (£2,426.68 since Aug '17) | PAD'ing since August 2017: £1,690.80
    Mortgage Overpayments: £336.28 | £195.97 Interest Saved
    Mortgage End Date: Was 01/06/2033 -> Now: 01/04/2033 (reduced by 2 months by PAD'ing)
    • Cazzell
    • By Cazzell 8th Dec 17, 6:15 AM
    • 45 Posts
    • 307 Thanks
    Cazzell
    £19.10 PAD for me today please
    Proud to be dealing with my debts
    Snowball amount £25548.54
    PAD Challenge £956.15(Oct - Dec 2017)
    1% Challenge so far 11%(Oct - Dec 2017)
    • LittleMissDetermined
    • By LittleMissDetermined 8th Dec 17, 6:16 AM
    • 1,823 Posts
    • 7,626 Thanks
    LittleMissDetermined
    Morning!

    £50 paid to credit card today

    LMD x
    Target Debt Free Day 27th Jun 2019
    Life gets in the way...PADding is addictive... Saving's better than spending...

    £1000 EF Challenge #142 £1285/£1000 ... 3-6Mth Wages Challenge #4 £4100/£7129...
    24 months of Debt-busting to go...
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