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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 22nd Jan 17, 3:05 PM
    • 2,982Posts
    • 13,289Thanks
    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
    Last edited by kirtsypoos; 02-10-2017 at 12:41 PM.
    £450/3000 OH BC(85% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £450/31010.23 (98.54% paid)
    Mortgage - £161,950.00 (2017 O/P £1774.74) PAYDBX 17 #006 - £16241.98/14,539.71
Page 91
    • cufc_mike
    • By cufc_mike 11th Aug 17, 10:17 PM
    • 207 Posts
    • 1,080 Thanks
    cufc_mike
    £20 off my CC today please Takes my monthly total to £50, which is about £18 more than my usual minimum payment, with nearly 3 weeks in August to go
    Credit Card: 1st Aug 2017 --> £1,371.04 NOW --> £874.70
    Make a Payment a Day: £213.51 in Aug, £167.55 in Sep, £115.28 in Oct
    Make £300 October Challenge: £360.98 / £500 (£1,165.43 since Aug '17)
    • erin_transport
    • By erin_transport 11th Aug 17, 10:41 PM
    • 289 Posts
    • 1,379 Thanks
    erin_transport
    Hi
    Money shuffle today. £200 to pension pot
    Thanks
    On a mission!
    • sashanut
    • By sashanut 12th Aug 17, 12:02 AM
    • 2,532 Posts
    • 23,696 Thanks
    sashanut
    Hi all

    Popping in to PAD £48.19 - pmt for M&S cc plz LMD - 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
    • sashybo
    • By sashybo 12th Aug 17, 4:52 AM
    • 2,434 Posts
    • 18,514 Thanks
    sashybo
    Hi all, PAD of £23 to loan no1 - got more survey money in.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £8770 extra paid off debt. Total Debt paid off £45,641.11
    Loans 1 & 2 £3962.81, CC 0% BT £475, Car loans £24,485.65
    • dg1019
    • By dg1019 12th Aug 17, 6:45 AM
    • 100 Posts
    • 570 Thanks
    dg1019
    Received some money from a relative that passed away a couple of years ago. Feel a bit sad to be using it for debt-clearing, but needs must. Today we have £950 to overdraft, which is now clear and has been cancelled. Also £550 to card 2, so total pad of £1500 for Saturday.
    LBM 24/07/17
    02/10/17: CC1=£1879.68 CC2=£3351.56 CC3=£1849.28 CC4=£2337.38 OD=£0 Total=£9417.90 / £11763.90 (19.94% repaid)
    • LittleMissDetermined
    • By LittleMissDetermined 12th Aug 17, 7:04 AM
    • 1,774 Posts
    • 7,358 Thanks
    LittleMissDetermined
    Morning all

    Welcome back from your hols Erme, hope you had a lovely time and belated "Happy Birthday" Mandz

    The total amount PADded for Friday 11th August is...

    £787.29

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

    £1000 EF Challenge #142 £1100/£1000 ... 3-6Mth Wages Challenge #4 £3545.87/£7129...
    24 months of Debt-busting to go...
    • LittleMissDetermined
    • By LittleMissDetermined 12th Aug 17, 7:04 AM
    • 1,774 Posts
    • 7,358 Thanks
    LittleMissDetermined
    My PAD today is £100
    Target Debt Free Day 27th Jun 2019
    Life gets in the way...PADding is addictive... Saving's better than spending...

    £1000 EF Challenge #142 £1100/£1000 ... 3-6Mth Wages Challenge #4 £3545.87/£7129...
    24 months of Debt-busting to go...
    • jet9cat
    • By jet9cat 12th Aug 17, 8:55 AM
    • 1,319 Posts
    • 9,877 Thanks
    jet9cat
    Erme -lovely to see you back and glad you enjoyed hols


    Mandz - belated happy birthday


    Thought I'd posted yesterday but doesn't look like it so for today and yesterday £15 paid off
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • erin_transport
    • By erin_transport 12th Aug 17, 11:19 AM
    • 289 Posts
    • 1,379 Thanks
    erin_transport
    Morning
    £75 to pension pot today.
    Thanks
    On a mission!
    • mandz1
    • By mandz1 12th Aug 17, 9:52 PM
    • 2,483 Posts
    • 10,772 Thanks
    mandz1
    Thanks for all the birthday wishes
    My PAD is £16.45 to cc1
    PAD Maker
    SPC 570
    • cufc_mike
    • By cufc_mike 12th Aug 17, 10:34 PM
    • 207 Posts
    • 1,080 Thanks
    cufc_mike
    £2.03 off my CC today.
    Credit Card: 1st Aug 2017 --> £1,371.04 NOW --> £874.70
    Make a Payment a Day: £213.51 in Aug, £167.55 in Sep, £115.28 in Oct
    Make £300 October Challenge: £360.98 / £500 (£1,165.43 since Aug '17)
    • sashanut
    • By sashanut 13th Aug 17, 12:00 AM
    • 2,532 Posts
    • 23,696 Thanks
    sashanut
    Hi all

    Popping in to PAD £6.00 - pmt to M&S cc plz LMD - 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
    • LittleMissDetermined
    • By LittleMissDetermined 13th Aug 17, 9:37 AM
    • 1,774 Posts
    • 7,358 Thanks
    LittleMissDetermined
    The total amount PADded for Saturday 12th August is...

    £1779.67

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

    £1000 EF Challenge #142 £1100/£1000 ... 3-6Mth Wages Challenge #4 £3545.87/£7129...
    24 months of Debt-busting to go...
    • LittleMissDetermined
    • By LittleMissDetermined 13th Aug 17, 9:41 AM
    • 1,774 Posts
    • 7,358 Thanks
    LittleMissDetermined
    Just a small bank skim for me today of 13p

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

    £1000 EF Challenge #142 £1100/£1000 ... 3-6Mth Wages Challenge #4 £3545.87/£7129...
    24 months of Debt-busting to go...
    • erin_transport
    • By erin_transport 13th Aug 17, 11:27 AM
    • 289 Posts
    • 1,379 Thanks
    erin_transport
    Hi
    Today transfer of £45 from eBay sales to pension pot.
    Thanks
    On a mission!
    • Mummy_bear
    • By Mummy_bear 13th Aug 17, 2:10 PM
    • 240 Posts
    • 931 Thanks
    Mummy_bear
    £2.30 off the Next account
    £2.30 into the Emergency fund

    MB
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) £37139.86
    £5527.67/£37139.86 14.88% paid
    Estimated DFD JUNE 2020 (calculated July 2017)
    Debt Free by Christmas Challenge
    Total cleared £3150.63/£9091.72 34.65% paid
    • cufc_mike
    • By cufc_mike 13th Aug 17, 7:20 PM
    • 207 Posts
    • 1,080 Thanks
    cufc_mike
    £7.97 off my CC today please
    Credit Card: 1st Aug 2017 --> £1,371.04 NOW --> £874.70
    Make a Payment a Day: £213.51 in Aug, £167.55 in Sep, £115.28 in Oct
    Make £300 October Challenge: £360.98 / £500 (£1,165.43 since Aug '17)
    • dg1019
    • By dg1019 13th Aug 17, 7:37 PM
    • 100 Posts
    • 570 Thanks
    dg1019
    £5 to card 2 for me today please
    LBM 24/07/17
    02/10/17: CC1=£1879.68 CC2=£3351.56 CC3=£1849.28 CC4=£2337.38 OD=£0 Total=£9417.90 / £11763.90 (19.94% repaid)
    • LittleMissDetermined
    • By LittleMissDetermined 14th Aug 17, 6:01 AM
    • 1,774 Posts
    • 7,358 Thanks
    LittleMissDetermined
    The total amount PADded for Sunday 13th August is...

    £67.80

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

    £1000 EF Challenge #142 £1100/£1000 ... 3-6Mth Wages Challenge #4 £3545.87/£7129...
    24 months of Debt-busting to go...
    • dg1019
    • By dg1019 14th Aug 17, 6:01 AM
    • 100 Posts
    • 570 Thanks
    dg1019
    Happy Monday everyone! Another £5 to card 2 for me please
    LBM 24/07/17
    02/10/17: CC1=£1879.68 CC2=£3351.56 CC3=£1849.28 CC4=£2337.38 OD=£0 Total=£9417.90 / £11763.90 (19.94% repaid)
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