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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 22nd Jan 17, 2:05 PM
    • 2,356Posts
    • 9,568Thanks
    kirtsypoos
    Payment A Day Chapter 18
    • #1
    • 22nd Jan 17, 2:05 PM
    Payment A Day Chapter 18 22nd Jan 17 at 2:05 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
    Last edited by kirtsypoos; 01-03-2017 at 11:00 AM.
    £1700/3000 OH BC(43.33% PAID) £2790/3851 B/C (27.55% PAID)
    MBNA £2500/3795.64 (34.13% PAID)
    PAID VERY, Barclaycard, Vanquis, Natwest, O/D, Tesco & MBNA PAID
    LBM 24/07/15 - Debt: £6990/31010.23 (77.45% paid)
    Mortgage - £164,950.00 (O/P £270.64 so far) PAYDBX 17 #006 - £2555.10/£10000
Page 15
    • Keedie
    • By Keedie 17th Feb 17, 11:03 AM
    • 229 Posts
    • 987 Thanks
    Keedie
    Morning All,

    A quick post, as I have to take the kids swimming as a half term treat (you've all been spared from my ramblings ).

    The total for the 16th February 2017 was a nice £138.50 - keep going guys .

    Keedie,
    xx
    LBM 27/06/16 = £24,140.60 (7 creditors) BUT on 21/03/2017 = £13,676.41/£24,140.60 (5 creditors) = 56.65% repaid
    Aiming to be Debt Free = 31/12/2020
    • erin_transport
    • By erin_transport 17th Feb 17, 2:36 PM
    • 87 Posts
    • 461 Thanks
    erin_transport
    Afternoon!

    £5.00 o/p to mortgage
    £1.00 to general savings
    £6.00 total today
    Thanks
    • sashybo
    • By sashybo 17th Feb 17, 10:55 PM
    • 2,176 Posts
    • 17,267 Thanks
    sashybo
    Hi all, just sneaking in with my £1 to loan no 1.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £7612 extra paid off debt.
    Loans 1 & 2 £7710.14, Car loans £25,500, Total Debt paid off £39,573.25
    • wewilldoit
    • By wewilldoit 18th Feb 17, 8:34 AM
    • 47 Posts
    • 231 Thanks
    wewilldoit
    morning

    £20 to cc2 please xx
    • sashybo
    • By sashybo 18th Feb 17, 9:18 AM
    • 2,176 Posts
    • 17,267 Thanks
    sashybo
    Morning all, £3.50 to loan no 1 today as a small amount of survey money arrived.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £7612 extra paid off debt.
    Loans 1 & 2 £7710.14, Car loans £25,500, Total Debt paid off £39,573.25
    • kirtsypoos
    • By kirtsypoos 18th Feb 17, 9:45 AM
    • 2,356 Posts
    • 9,568 Thanks
    kirtsypoos
    Morning all,

    £5 for me today please....almost at payday!!
    £1700/3000 OH BC(43.33% PAID) £2790/3851 B/C (27.55% PAID)
    MBNA £2500/3795.64 (34.13% PAID)
    PAID VERY, Barclaycard, Vanquis, Natwest, O/D, Tesco & MBNA PAID
    LBM 24/07/15 - Debt: £6990/31010.23 (77.45% paid)
    Mortgage - £164,950.00 (O/P £270.64 so far) PAYDBX 17 #006 - £2555.10/£10000
    • mandz1
    • By mandz1 18th Feb 17, 11:39 AM
    • 2,386 Posts
    • 10,258 Thanks
    mandz1
    Busy day yesterday forgot to pop in to declare but did manage a PAD of £17.85 to very
    PAD Maker
    SPC 570
    • Keedie
    • By Keedie 18th Feb 17, 1:38 PM
    • 229 Posts
    • 987 Thanks
    Keedie
    Hiya All,

    I hope that you are all enjoying the weekend, the sun seems to be coming out around here, which gives hope for screen.

    The total for the 17th February 2017 was a small but mighty £51 - we're doing well so far and we are heading into the last third of the month .

    Take care,

    Keedie,
    xx
    LBM 27/06/16 = £24,140.60 (7 creditors) BUT on 21/03/2017 = £13,676.41/£24,140.60 (5 creditors) = 56.65% repaid
    Aiming to be Debt Free = 31/12/2020
    • erin_transport
    • By erin_transport 18th Feb 17, 5:06 PM
    • 87 Posts
    • 461 Thanks
    erin_transport
    £25.50 to cc
    Thanks
    • Keedie
    • By Keedie 19th Feb 17, 8:19 AM
    • 229 Posts
    • 987 Thanks
    Keedie
    Morning All,

    The total for the 18th February 2017 was £71.85. All these PADs are really adding up

    Have a good day everyone, I'm getting ready for my niece's joint birthday party. I have somehow been delegated the task of sorting out the music by nieces, and the long list of songs that I need to get is a little .

    Keedie,
    xx
    LBM 27/06/16 = £24,140.60 (7 creditors) BUT on 21/03/2017 = £13,676.41/£24,140.60 (5 creditors) = 56.65% repaid
    Aiming to be Debt Free = 31/12/2020
    • LittleMissDetermined
    • By LittleMissDetermined 19th Feb 17, 10:10 AM
    • 1,533 Posts
    • 5,999 Thanks
    LittleMissDetermined
    Good morning,

    Apologies for absence, been away with work and now going on our holidays it's been a manic month for me.

    Bank round down of £7.66 to the credit card for me today please Keedie.

    I hope everyone's ok, I'll see you in a few weeks when hopefully I'll be feeling a little less stressed!

    LMD xx
    Target Debt Free Day 27th Jun 2018
    Life gets in the way...PADding is addictive... Saving's better than spending...

    £1000 EF Challenge #142 £1005.62/£1000 ... 3-6Mth Wages Challenge #4 £1350 /£7129...
    24 23 22 21 20 19 18 17 16 15 months of Debt-busting to go...
    • swimminginaseaofdebt
    • By swimminginaseaofdebt 19th Feb 17, 10:23 AM
    • 446 Posts
    • 2,404 Thanks
    swimminginaseaofdebt
    Good morning,

    Apologies for absence, been away with work and now going on our holidays it's been a manic month for me.

    Bank round down of £7.66 to the credit card for me today please Keedie.

    I hope everyone's ok, I'll see you in a few weeks when hopefully I'll be feeling a little less stressed!

    LMD xx
    Originally posted by LittleMissDetermined
    Have a fab holiday LMD!
    NSD March - 8/10
    ,
    Pay all debt off by Christmas 2017 #150 - £1021.27/£3729.05
    ,
    6 month challenge #65 - £35.41/£9000
    ,
    SPC10 #564
    • kirtsypoos
    • By kirtsypoos 19th Feb 17, 11:19 AM
    • 2,356 Posts
    • 9,568 Thanks
    kirtsypoos
    Afternoon all!

    £11.14 for me today please

    Hope the music sorting is going ok Keedie!

    Have a briliant relaxing hol LMD
    £1700/3000 OH BC(43.33% PAID) £2790/3851 B/C (27.55% PAID)
    MBNA £2500/3795.64 (34.13% PAID)
    PAID VERY, Barclaycard, Vanquis, Natwest, O/D, Tesco & MBNA PAID
    LBM 24/07/15 - Debt: £6990/31010.23 (77.45% paid)
    Mortgage - £164,950.00 (O/P £270.64 so far) PAYDBX 17 #006 - £2555.10/£10000
    • mandz1
    • By mandz1 19th Feb 17, 11:49 AM
    • 2,386 Posts
    • 10,258 Thanks
    mandz1
    £17.06 to cc1 please
    PAD Maker
    SPC 570
    • ahall3519
    • By ahall3519 19th Feb 17, 12:56 PM
    • 103 Posts
    • 282 Thanks
    ahall3519
    Good afternoon everyone! Please put me down for £10 to debt two! Thanks!
    Barclaycard Debit as of April 2016-£1008.07
    As of 30th January 2017=100% paid

    Sainsburys Credit Card Debt number 2 as of January 2017-£1757.96
    As of March 2017 statement-£1443.38=18% paid
    • sashybo
    • By sashybo 19th Feb 17, 1:37 PM
    • 2,176 Posts
    • 17,267 Thanks
    sashybo
    Hi all, just plodding along with another £1 to loan no 1 please Keedie.

    Good luck with the music list btw Keedie, I don't think my nieces would trust me with that (I'm really not cool enough and they're only 8 ).

    Have a lovely holiday LMD.

    Erme, hope you're still having great retail therapy & not the random kind.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £7612 extra paid off debt.
    Loans 1 & 2 £7710.14, Car loans £25,500, Total Debt paid off £39,573.25
    • wewilldoit
    • By wewilldoit 19th Feb 17, 4:25 PM
    • 47 Posts
    • 231 Thanks
    wewilldoit
    hi all
    £12 to op mortgage
    thanks x
    • erin_transport
    • By erin_transport 19th Feb 17, 9:02 PM
    • 87 Posts
    • 461 Thanks
    erin_transport
    Hi
    Just another £2.50 to cc
    Better than nothing. Wish I could make bigger pads but hey ho.
    Thanks
    • Erme
    • By Erme 20th Feb 17, 5:42 AM
    • 3,555 Posts
    • 21,289 Thanks
    Erme
    Well I'm still out of it :P

    So retail therapy is wanted but has to be less than £1 - on saturday I had a caramel latte out in a cafe - - now that never happens. Is it a sign of poor health? In my case - yes - but I needed the company from friends I'd been paranoid about for 2 weeks.

    So today's temptation is £20 but I choose to bake instead of spending £20 on stuff I really don't need!!! (else I would have bought it by now)

    Nuff said!!!

    Good luck with this great, amazing party you are doing Keedie

    E

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


    • Keedie
    • By Keedie 20th Feb 17, 12:35 PM
    • 229 Posts
    • 987 Thanks
    Keedie
    Afternoon All,

    I hope that you've had a good weekend. My nieces had a great time yesterday, they were 4 and 7 and they had a My Little Pony Equestrian Girls themed party. So they were all dressed up in cute outfits and my iPod and its contents courtesy of various album compilations had enough of their chosen songs to keep them and their friends happy - so I think I might have earned some hard to come by 'cool' points .

    The total for the 19th February 2017 was £61.36 - we're doing really well .

    Erme - I am very impressed with your ability to exert self control and financial limits over your RRT, even as you find yourself feeling unwell. It is a testament to your strength of character. And I hope that the cafe visit helped you in relation to your friendship perceptions .

    LMD - enjoy the holiday - I'm only a very bit jealous .

    Erin - it's not really the size or frequency of the PADs sometimes, it is the fact that you are conscious of, and following the need to PAD and what it can do for you in the long term. Baby steps are better than standing still .

    Keedie,
    xx
    LBM 27/06/16 = £24,140.60 (7 creditors) BUT on 21/03/2017 = £13,676.41/£24,140.60 (5 creditors) = 56.65% repaid
    Aiming to be Debt Free = 31/12/2020
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