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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 22nd Jan 17, 3:05 PM
    • 2,768Posts
    • 12,317Thanks
    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
    Last edited by kirtsypoos; 02-07-2017 at 8:26 PM.
    £800/3000 OH BC(73.33% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £800/31010.23 (97.42% paid)
    Mortgage - £162,900.00 (2017 O/P £1312.91) PAYDBX 17 #006 - £15299.59/14,539.71 Make £10 Apr £194.58 Make £10 May £159.75 Make £10 June £266.85
Page 2
    • kirtsypoos
    • By kirtsypoos 25th Jan 17, 9:34 AM
    • 2,768 Posts
    • 12,317 Thanks
    kirtsypoos
    Morning all,

    £22 for me today courtesy of round down and TCB
    £800/3000 OH BC(73.33% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £800/31010.23 (97.42% paid)
    Mortgage - £162,900.00 (2017 O/P £1312.91) PAYDBX 17 #006 - £15299.59/14,539.71 Make £10 Apr £194.58 Make £10 May £159.75 Make £10 June £266.85
    • Keedie
    • By Keedie 25th Jan 17, 10:25 AM
    • 234 Posts
    • 995 Thanks
    Keedie
    Morning All,

    The total for 24th January 2017 was £114.66.

    Sorry for the quick message, I am very sleepy
    LBM 27/06/16 = £24,140.60 (7 creditors) BUT on 03/05/2017 = £13,695.91/£24,140.60 (5 creditors) = 56.73% repaid
    Aiming to be Debt Free = 31/12/2020
    • ahall3519
    • By ahall3519 25th Jan 17, 11:10 AM
    • 144 Posts
    • 465 Thanks
    ahall3519
    Good morning everyone! Thanks for creating the new thread Kirstypoos! 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

    Tesco Credit Card Debt number 2 as of January 2017-£1757.96
    As of July 2017 statement-£677.38=61% paid
    • Bobarella
    • By Bobarella 25th Jan 17, 1:43 PM
    • 10,444 Posts
    • 69,018 Thanks
    Bobarella
    Hi guys

    £160 for me today.

    Bob
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
    • sashybo
    • By sashybo 25th Jan 17, 3:02 PM
    • 2,354 Posts
    • 18,179 Thanks
    sashybo
    Hi all, just 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 - £8317 extra paid off debt. Total Debt paid off £42,676.99
    Loans 1 & 2 £5597.93, Car loans £25,514.25
    • erin_transport
    • By erin_transport 25th Jan 17, 3:53 PM
    • 214 Posts
    • 1,050 Thanks
    erin_transport
    Afternoon

    £2.25 off cc1
    £10.00 O/P on mortgage

    £12.25 for me today. ��
    • mandz1
    • By mandz1 25th Jan 17, 5:21 PM
    • 2,451 Posts
    • 10,622 Thanks
    mandz1
    £30.00 to very today please
    PAD Maker
    SPC 570
    • sashybo
    • By sashybo 25th Jan 17, 9:18 PM
    • 2,354 Posts
    • 18,179 Thanks
    sashybo
    And an extra £25 to loan 2 please as forgot I hadn't made an extra payment to it after payday.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £8317 extra paid off debt. Total Debt paid off £42,676.99
    Loans 1 & 2 £5597.93, Car loans £25,514.25
    • sashanut
    • By sashanut 25th Jan 17, 11:29 PM
    • 2,476 Posts
    • 23,329 Thanks
    sashanut
    Hi all

    My PAD is £24.15 - 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
    • mandz1
    • By mandz1 26th Jan 17, 6:54 AM
    • 2,451 Posts
    • 10,622 Thanks
    mandz1
    Morning all

    £11.09 to cc with a possible extra payment later

    Have a great day
    PAD Maker
    SPC 570
    • swimminginaseaofdebt
    • By swimminginaseaofdebt 26th Jan 17, 7:34 AM
    • 529 Posts
    • 2,900 Thanks
    swimminginaseaofdebt
    Morning all,

    Have paid another £1 off the credit card today.
    Last edited by swimminginaseaofdebt; 26-01-2017 at 8:33 AM.
    Pay all debt off by Christmas 2017 #150 - £1868.05/£3729.05
    ,
    SPC10 #564
    • LittleMissDetermined
    • By LittleMissDetermined 26th Jan 17, 8:07 AM
    • 1,652 Posts
    • 6,712 Thanks
    LittleMissDetermined
    Good morning all

    Bank round down of £3.00 to the credit card today 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 £1167.44/£1000 ... 3-6Mth Wages Challenge #4 £2364.14/£7129...
    24 months of Debt-busting to go...
    • erin_transport
    • By erin_transport 26th Jan 17, 8:34 AM
    • 214 Posts
    • 1,050 Thanks
    erin_transport
    Morning

    Bank tidy up this morning
    £8.41 cc1
    £4.00 cc2
    £12.41 total for me this morning
    • kirtsypoos
    • By kirtsypoos 26th Jan 17, 9:18 AM
    • 2,768 Posts
    • 12,317 Thanks
    kirtsypoos
    Morning all!

    £60.00 for me today please
    £800/3000 OH BC(73.33% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £800/31010.23 (97.42% paid)
    Mortgage - £162,900.00 (2017 O/P £1312.91) PAYDBX 17 #006 - £15299.59/14,539.71 Make £10 Apr £194.58 Make £10 May £159.75 Make £10 June £266.85
    • Keedie
    • By Keedie 26th Jan 17, 9:40 AM
    • 234 Posts
    • 995 Thanks
    Keedie
    Morning All,

    The total for 25th January 2017 was a great £289.79

    We're doing so well considering that January is usually such a financially lean month after Christmas.

    Have a good day,

    Keedie
    xx
    LBM 27/06/16 = £24,140.60 (7 creditors) BUT on 03/05/2017 = £13,695.91/£24,140.60 (5 creditors) = 56.73% repaid
    Aiming to be Debt Free = 31/12/2020
    • Bobarella
    • By Bobarella 26th Jan 17, 11:36 AM
    • 10,444 Posts
    • 69,018 Thanks
    Bobarella
    Morning

    Thanks to an eBay sale I have just made another payment of £35 to my cc. That's £195 since yesterday!

    Bob
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
    • LittleMissDetermined
    • By LittleMissDetermined 26th Jan 17, 11:44 AM
    • 1,652 Posts
    • 6,712 Thanks
    LittleMissDetermined
    Back with £500 to the 3-6 month fund please

    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 £1167.44/£1000 ... 3-6Mth Wages Challenge #4 £2364.14/£7129...
    24 months of Debt-busting to go...
    • jet9cat
    • By jet9cat 26th Jan 17, 12:14 PM
    • 1,242 Posts
    • 9,464 Thanks
    jet9cat
    A tiny £2.80 for me today
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • sashanut
    • By sashanut 26th Jan 17, 3:54 PM
    • 2,476 Posts
    • 23,329 Thanks
    sashanut
    Hi all

    My PAD is £16.40 - 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
    • dreamingofmoney
    • By dreamingofmoney 26th Jan 17, 7:13 PM
    • 357 Posts
    • 4,496 Thanks
    dreamingofmoney
    Evening,
    Love the new thread, a tiny £2 for me please, am really struggling now so may only be coppers from now until payday.
    Big thanks to all who run the thread
    Xx
    Paying back 1% at a time 27.1% of total debt paid off.
    No. 82 PAYDBX17 £7000/£709.74 of debt paid from this years goal this equals 10.1%.
    1st debt padding towards B'card £1708.89/£1602.98
    5 debts to tackle, doing it one at a time. Original debt free date Jan 2020.
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