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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 22nd Jan 17, 3:05 PM
    • 3,292Posts
    • 14,613Thanks
    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

    December 2017
    £11018.76

    Total for 2017
    £157,522.69


    January 2018

    £28,031.72
    Last edited by kirtsypoos; 02-02-2018 at 11:46 AM.
    PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Original Debt: £0/31010.23 (100% paid)
    Mortgage - £159,450.00 (2017/2018 O/P £3077.39) PAYDBX 17 - £18,442.82
    PAYDBX 18 #006 £1945.24/£4000
Page 1
    • kirtsypoos
    • By kirtsypoos 23rd Jan 17, 8:54 AM
    • 3,292 Posts
    • 14,613 Thanks
    kirtsypoos
    • #2
    • 23rd Jan 17, 8:54 AM
    • #2
    • 23rd Jan 17, 8:54 AM
    Morning all,

    £115.00 for me today please Keedie
    PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Original Debt: £0/31010.23 (100% paid)
    Mortgage - £159,450.00 (2017/2018 O/P £3077.39) PAYDBX 17 - £18,442.82
    PAYDBX 18 #006 £1945.24/£4000
    • Keedie
    • By Keedie 23rd Jan 17, 9:22 AM
    • 243 Posts
    • 1,009 Thanks
    Keedie
    • #3
    • 23rd Jan 17, 9:22 AM
    • #3
    • 23rd Jan 17, 9:22 AM
    Morning All,

    The total for 22nd January 2017, and the first for Chapter 18 is £54.69

    Thanks for creating the new thread Kirstypoos and for the reminder Erme

    Have a good day everyone,
    x
    LBM 27/06/16 = £31,400.57 (7 creditors) BUT on 01/02/2018 = £15,840.36/£31,400.57 (6 creditors) = 49.3% repaid
    Aiming to be Debt Free = 31/12/2020
    • mandz1
    • By mandz1 23rd Jan 17, 10:34 AM
    • 2,533 Posts
    • 11,025 Thanks
    mandz1
    • #4
    • 23rd Jan 17, 10:34 AM
    • #4
    • 23rd Jan 17, 10:34 AM
    Morning all

    £13.87 to cc please
    PAD Maker
    • Erme
    • By Erme 23rd Jan 17, 11:48 AM
    • 3,596 Posts
    • 21,542 Thanks
    Erme
    • #5
    • 23rd Jan 17, 11:48 AM
    • #5
    • 23rd Jan 17, 11:48 AM
    Thanks for creating a new thread Kirstypoos

    My great news of this am is that I've found the part to my coffee machine I'd lost - so for everyone who loves the good brown stuff (and no I don't mean class a drugs LOL) - this smiley is for thee -

    Today is going to be good - espressos are back in my life!!!

    E

    I believe in the power of PAD
    Come and join us on the Payment a Day thread


    • erin_transport
    • By erin_transport 23rd Jan 17, 12:50 PM
    • 428 Posts
    • 1,963 Thanks
    erin_transport
    • #6
    • 23rd Jan 17, 12:50 PM
    • #6
    • 23rd Jan 17, 12:50 PM
    Hi everyone!

    £2.50 off cc1
    £2.50 off cc2
    £5.00 O/P on mortgage

    £10.00 for me this morning please.
    • sashanut
    • By sashanut 23rd Jan 17, 3:16 PM
    • 2,690 Posts
    • 25,060 Thanks
    sashanut
    • #7
    • 23rd Jan 17, 3:16 PM
    • #7
    • 23rd Jan 17, 3:16 PM
    Hi all

    My PAD is £78.21 - pmt to M&S cc - thanks Keedie!!
    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 23rd Jan 17, 3:37 PM
    • 2,605 Posts
    • 19,768 Thanks
    sashybo
    • #8
    • 23rd Jan 17, 3:37 PM
    • #8
    • 23rd Jan 17, 3:37 PM
    Hi all, £1.10 to the loan today.

    Happy new thread.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £9717 extra paid off debt. Total Debt paid off £48,737.28
    Loan £3294.75, CC 0% BT £820, Car loans £23,789

    Have a Debt Free Diary to try & keep spending in check.
    • jet9cat
    • By jet9cat 24th Jan 17, 6:27 AM
    • 1,416 Posts
    • 10,423 Thanks
    jet9cat
    • #9
    • 24th Jan 17, 6:27 AM
    • #9
    • 24th Jan 17, 6:27 AM
    Oooh, shiny new thread, thanks Kirsty.


    Payment of £10 for me today please Keedie
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • Keedie
    • By Keedie 24th Jan 17, 7:53 AM
    • 243 Posts
    • 1,009 Thanks
    Keedie
    Morning All,

    Enjoying the freshness of this new thread, thanks again Kirstypoos.

    The total for 23rd January 2016 was a great £222.04

    We're just on a roll with all these PADs...

    Have a good day everyone,

    Keedie
    xx
    LBM 27/06/16 = £31,400.57 (7 creditors) BUT on 01/02/2018 = £15,840.36/£31,400.57 (6 creditors) = 49.3% repaid
    Aiming to be Debt Free = 31/12/2020
    • kirtsypoos
    • By kirtsypoos 24th Jan 17, 9:00 AM
    • 3,292 Posts
    • 14,613 Thanks
    kirtsypoos
    Morning all!

    £3 for me today please Keedie
    PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Original Debt: £0/31010.23 (100% paid)
    Mortgage - £159,450.00 (2017/2018 O/P £3077.39) PAYDBX 17 - £18,442.82
    PAYDBX 18 #006 £1945.24/£4000
    • swimminginaseaofdebt
    • By swimminginaseaofdebt 24th Jan 17, 9:17 AM
    • 649 Posts
    • 3,468 Thanks
    swimminginaseaofdebt
    Morning everyone

    The usual £1 paid off the credit card today.
    Pay all debt off by Christmas 2018 #150 - £145.06/£2018

    Make £2018 in 2018 #31 - £180.08/£2018

    SPC11 #564
    • erin_transport
    • By erin_transport 24th Jan 17, 9:34 AM
    • 428 Posts
    • 1,963 Thanks
    erin_transport
    Morning!

    £5.00 off cc1 for me today
    • Tink_04
    • By Tink_04 24th Jan 17, 11:02 AM
    • 889 Posts
    • 4,532 Thanks
    Tink_04
    £2.59 for me today - nearly at the £100 mark it's not even been a month yet!
    1p savings challenge 2018
    £2 savings challenge
    • mandz1
    • By mandz1 24th Jan 17, 12:30 PM
    • 2,533 Posts
    • 11,025 Thanks
    mandz1
    £5.16 to cc
    £35 to mum

    £40.16 total PAD
    PAD Maker
    • sashybo
    • By sashybo 24th Jan 17, 8:15 PM
    • 2,605 Posts
    • 19,768 Thanks
    sashybo
    Hi all, another £1 to the loan today.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £9717 extra paid off debt. Total Debt paid off £48,737.28
    Loan £3294.75, CC 0% BT £820, Car loans £23,789

    Have a Debt Free Diary to try & keep spending in check.
    • LittleMissDetermined
    • By LittleMissDetermined 24th Jan 17, 10:20 PM
    • 1,935 Posts
    • 8,166 Thanks
    LittleMissDetermined
    Hi all... I missed the move!

    Another bank round down for me today of £1.63 to the credit card please Keedie

    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 £1000/£1000 ... 3-6Mth Wages Challenge #4 £5950/£7129...
    24 months of Debt-busting to go...
    • sashanut
    • By sashanut 24th Jan 17, 11:25 PM
    • 2,690 Posts
    • 25,060 Thanks
    sashanut
    Hi all

    My PAD is £48.65 - pmt to M&S cc - thanks Keedie!!
    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 25th Jan 17, 7:19 AM
    • 1,935 Posts
    • 8,166 Thanks
    LittleMissDetermined
    Morning!

    Counting down to pay day... it's been a long time coming. Today's offering is a PAD of £4.39 to the credit card please Keedie

    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 £1000/£1000 ... 3-6Mth Wages Challenge #4 £5950/£7129...
    24 months of Debt-busting to go...
    • swimminginaseaofdebt
    • By swimminginaseaofdebt 25th Jan 17, 8:04 AM
    • 649 Posts
    • 3,468 Thanks
    swimminginaseaofdebt
    Morning everyone

    Another £1 paid off the credit card today.
    Pay all debt off by Christmas 2018 #150 - £145.06/£2018

    Make £2018 in 2018 #31 - £180.08/£2018

    SPC11 #564
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